From a kitchen remodel to a major custom home, start with a clear budget. DG Builders helps prepare the construction details; independent lenders decide whether and how to finance your project.
HFS home improvement options and individual construction-financing routes are explained separately below.
For homeowners improving a property they own with an existing home on a fixed foundation. This program is not available for income-generating projects. Confirm your project's eligibility with HFS Financial.
Compare new construction, renovation & SBA loansDG Builders helps you prepare the construction scope, budget and schedule. Independent lenders review your finances, decide on approval and provide the loan.
For eligible improvements to a home you own. The advertised program maximum is $450,000; your approved amount may be lower. Confirm eligibility and current terms with HFS.
Visit DG’s HFS page ↗External HFS inquiry. Its own privacy and credit-check terms apply.For a new home, major rebuild or a multimillion-dollar project, explore a construction or private-banking loan suited to the property and how you will use it.
Explore large-project options ↓The construction estimate is not a loan approval or borrowing limit.A $14 million construction budget calls for a tailored funding discussion. The amount available depends on the lender’s review of the property, your equity, finances, intended occupancy and project. Interest, loan fees and holding costs are separate from the construction estimate.
DG does not approve or fund loans. The providers below are research options, not confirmed DG financing partners. Contact them directly to confirm current California availability, licensing and project eligibility.
Its luxury construction page includes California and reports having arranged individual construction loans above $20 million. Each request is reviewed separately; this is not a current commitment for your project.
Read Northstar’s program ↗Call Northstar: (800) 917-1595Its California construction page advertises loans up to $20 million and discusses primary-residence and spec-home projects. Ask which program fits your intended use and request written terms.
Read Valor’s program ↗Call Valor: (619) 810-0088Provider-published information checked October 11, 2026. Advertised maximums and past loans do not establish approval, pricing or availability for a particular borrower. No loan application, credit check or transfer of your estimate takes place on this page.
Share financial records directly through your chosen lender’s secure process. DG can help assemble the construction scope and budget; keep tax returns, bank statements and Social Security numbers out of our project inquiry form.
CFPB: construction loan basics ↗ · Compare written loan offers ↗
After saving your estimate, choose “Ask DG Builders to discuss financing options with me.” Your request stays with the same lead so our team can follow up about the project.
Start or return to your estimate →Choose a loan amount and term. Use the annual interest rate from your lender's offer to estimate your payment.
Checked October 11, 2026. The starting rate is an example, not your approved rate. Rates and available terms can change.
Check current HFS rates for DG BuildersEstimate $3,000–$450,000 over 1–30 years. Enter the interest rate in your offer; Annual percentage rate (APR) may also include fees and can differ from that rate. Available amounts and terms depend on lender approval.
Principal + interest over 180 monthly payments.
Same $100,000.00 loan at 7.8% interest. A longer term lowers the monthly payment and can increase total interest. These comparisons do not mean every term is available to you.
| Term | Monthly payment | Total interest | Total repaid |
|---|---|---|---|
| 10 years | $1,202.73 | $44,328.05 | $144,328.05 |
| 15 yearsSelected | $944.14 | $69,945.56 | $169,945.56 |
| 20 years | $824.04 | $97,768.65 | $197,768.65 |
| 25 years | $758.61 | $127,584.31 | $227,584.31 |
| 30 years | $719.87 | $159,153.38 | $259,153.38 |
Planning estimate only, not a loan offer or approval. Assumes a fixed interest rate and equal monthly payments. Excludes lender fees, points and other charges. Your approved rate, APR, term and payment schedule come from the lender's written disclosures.
Use our HFS link for an initial inquiry. Checking options does not affect your credit score.
Work with HFS to review eligibility, documents, the lender's interest rate, annual percentage rate (APR), term and payment schedule.
If approved and funded, the loan funds are sent directly to you.
Pay for your project according to your DG Builders construction contract.
We help plan the project. HFS helps you explore financing with third-party lenders.
Discuss your projectWe help prepare your construction scope and budget, and provide access to the existing HFS home improvement route plus information about independent construction-financing providers. DG does not approve or fund loans. Our listed large-project providers are options to research, not confirmed DG partners. A third-party lender determines eligibility and terms.
No. It estimates principal and interest for the amount, annual interest rate and term you enter. The starting rate shown is an advertised example. Your actual rate, APR, fees, approved term and payment schedule come from the lender's written offer.
HFS states that its initial inquiry uses a soft credit check with no credit score impact. Ask HFS about any credit checks required later in the loan process.
For homeowners improving a property they own with an existing home on a fixed foundation. This program is not available for income-generating projects. Confirm your project's eligibility with HFS Financial. Do not assume a rental ADU or other investment project qualifies. Confirm the intended use with HFS before relying on this program for your budget.
If the loan is approved and funded, the funds are sent directly to the homeowner. You then pay DG Builders according to your construction contract.
Start with the construction and business financing guide below. It explains construction-to-permanent mortgages, renovation mortgages and SBA programs for eligible businesses. Confirm the project's intended use and eligibility directly with the lender.
Start with the property's use, the scope and your repayment plan. Compare the routes below with lenders; these programs are separate from the HFS home improvement program above.
For a rental ADU or investment property, disclose the intended use first. Some conventional renovation programs allow eligible investment properties; the HFS program above excludes income-generating projects. Apply through a participating lender. Find FHA-approved lenders and select the 203(k) filter.
Construction funds are released in stages. Agree with the lender on inspections, draw fees, processing time and when your own cash must be spent. Budget for permits, design, site work, interest, fees and a contingency as well as the construction contract. Confirm the permanent mortgage or other repayment exit before committing to a short-term loan.
Confirm funding when the scope changes. Before added work starts, agree in writing how it will be paid for and obtain any required lender approval. Compare remaining loan funds and available cash with the updated cost to finish, including interest and contingency. AGC construction financing guide — full PDF (2009).
Use SBA financing for an eligible operating business. Your own home remodel belongs in the residential options above.
Business real estate occupancy: generally at least 51% for an existing building or 60% initially for new construction, with additional future occupancy requirements. Have your lender confirm the current SBA rules for the property and business.
Contractor cash flow: ask about a Contract CAPLine or the 7(a) Working Capital Pilot for eligible contract or project costs while payments are pending. Compare these business credit programs.
Lender Match connects you with lenders; it is not a loan application or approval.
CFPB — compare and negotiate mortgage offers.
Prepare income and debt records, cash reserves, property or land details, existing mortgage balances, plans and permits, a contractor proposal, an itemized budget with contingency, and a schedule of work and draws. For business loans, add financial statements, tax returns, ownership information and cash-flow projections showing repayment.
DG Builders can help define the scope, budget and schedule to discuss with your lender.
Discuss your projectPlan new construction costsCurrent program information checked October 10, 2026 against the linked agency sources. The AGC guide provides construction funding principles; current loan rules are covered by the agency links above. Rates, eligibility and lender requirements can change. DG Builders is not a lender; confirm your financing directly with the lender.