Fast & Easy ADU / Construction Loan Rate Quotes
We offer construction loans in California, Florida, Oregon, Nevada, Colorado and Washington.
Contact Us Now for your best rate options
Looking to secure the best ADU and construction loan rates? Look no further!
We specialize in providing tailored financing solutions for your accessory dwelling unit (ADU) or construction project.
With our competitive rates and flexible terms, you can bring your dream project to life without breaking the bank.
Whether you’re a homeowner looking to add an ADU for extra income or a builder embarking on a new construction project, our team is here to support you every step of the way.
Contact us today to get started!
Types of Construction Loans
Explore Your Home Construction Financing Options
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Construction-to-Permanent Loan: Covers both the construction phase and the permanent mortgage once the home is complete.
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Construction-Only Loan: Solely for financing the construction of the home.
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Renovation Construction Loan: For home improvement projects, this loan provides funds for both the purchase of a fixer-upper and the renovation costs.
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FHA 203(k) Loan: This government-backed loan program combines the purchase price of a home and the cost of renovations into one loan.
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VA Construction Loan: Available to eligible veterans and active-duty military personnel, VA construction loans help finance the construction of a new home.
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Bridge Loan: This temporary loan helps bridge the gap between buying a new home and selling your current one.
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Hard Money Construction Loan: Typically used by real estate investors, hard money loans provide short-term financing for construction projects.
Why Choose Us
Our team of experienced mortgage professionals is dedicated to understanding our clients’ needs and goals, and we provide personalized advice and guidance to make informed decisions.
We have a wide range of mortgage solutions to suit the unique needs of each client, including fixed and variable rate mortgages, home equity loans, refinancing options, and more. Our goal is to help our clients achieve their homeownership goals while keeping their best interests at the forefront.
Client Testimonials
- Raeda was very helpful and made everything easy. If I could give her more than five stars, I would. She is very experienced and I would recommend her.read moreread less
a. alkhatib12/27/2024×a. alkhatib12/27/2024Raeda was very helpful and made everything easy. If I could give her more than five stars, I would. She is very experienced and I would recommend her.Don’t even think twice. Just call them up! You won’t regret it!! I am so grateful that I crossed paths with Ramzi and his team at Pacific Mortgage Group. I had given up hope but then this amazing group worked with me for months to get me solutions with the best rates for my situation. Ramzi was communicative, explained things thoroughly and never gave up on me! Thank you Ramzi and Pacific Mortgage Group as a whole! I will recommend you to everyone I know that’s in the market for your services!read moreread less P. “Karyatisa”12/14/2024×P. “Karyatisa”12/14/2024Don’t even think twice. Just call them up! You won’t regret it!! I am so grateful that I crossed paths with Ramzi and his team at Pacific Mortgage Group. I had given up hope but then this amazing group worked with me for months to get me solutions with the best rates for my situation. Ramzi was communicative, explained things thoroughly and never gave up on me! Thank you Ramzi and Pacific Mortgage Group as a whole! I will recommend you to everyone I know that’s in the market for your services! - This was my first home buying experience and I think it went as smoothly as I could have hoped. Carlos helped me find the absolute best interest rate around and explained the process with patience and worked around my extremely hectic schedule. I had many questions and was understandably anxious about this process and they definitely put me at easy by answering any questions I had with patience and simplicity. I will definitely be using them again when it’s time to buy my next property.read moreread less J. Ramirez12/08/2024×J. Ramirez12/08/2024This was my first home buying experience and I think it went as smoothly as I could have hoped. Carlos helped me find the absolute best interest rate around and explained the process with patience and worked around my extremely hectic schedule. I had many questions and was understandably anxious about this process and they definitely put me at easy by answering any questions I had with patience and simplicity. I will definitely be using them again when it’s time to buy my next property.We had an outstanding experience working with Khaled from Pacific Mortgage Group. Despite the chaotic mortgage market, Khaled guided my family and me through every step of the process and locked in a mortgage rate that was far better than what Wells Fargo and other lenders could offer. That alone speaks volumes! Khaled was prompt, professional, and incredibly patient throughout the entire process. We never felt rushed or pressured, and he took the time to thoroughly answer all of our questions. His expertise and dedication made what could have been a stressful experience feel smooth and manageable. If you’re looking for a mortgage loan originator who truly has your best interests at heart, I highly recommend Khaled and Pacific Mortgage Group. You won’t be disappointed!read moreread less L. Belo12/07/2024×L. Belo12/07/2024We had an outstanding experience working with Khaled from Pacific Mortgage Group. Despite the chaotic mortgage market, Khaled guided my family and me through every step of the process and locked in a mortgage rate that was far better than what Wells Fargo and other lenders could offer. That alone speaks volumes! Khaled was prompt, professional, and incredibly patient throughout the entire process. We never felt rushed or pressured, and he took the time to thoroughly answer all of our questions. His expertise and dedication made what could have been a stressful experience feel smooth and manageable. If you’re looking for a mortgage loan originator who truly has your best interests at heart, I highly recommend Khaled and Pacific Mortgage Group. You won’t be disappointed!
- Khaled has always been very helpfull and has found solutions even in complicated situations. We are completely satisfied with the service.read moreread less S. NEI12/07/2024×S. NEI12/07/2024Khaled has always been very helpfull and has found solutions even in complicated situations. We are completely satisfied with the service.Pacific Mortgage Group Raeda, It was truly a pleasure working with you. Your professionalism, promptness, and efficiency stood out throughout our collaboration. I appreciate your dedication and the seamless experience you provided. Thank you for your hard work and support!read moreread less M. Mendoza12/07/2024×M. Mendoza12/07/2024Pacific Mortgage Group Raeda, It was truly a pleasure working with you. Your professionalism, promptness, and efficiency stood out throughout our collaboration. I appreciate your dedication and the seamless experience you provided. Thank you for your hard work and support!
- I appreciate the communication, Keeping me informed on every step that was made and overall. The Professionalism!!!read moreread less G. Bonner12/07/2024×G. Bonner12/07/2024I appreciate the communication, Keeping me informed on every step that was made and overall. The Professionalism!!!Khaled did a great job on my refinance. With all the difficulties we went through, he was on top of everything. Thanksread moreread less C. Golden11/23/2024×C. Golden11/23/2024Khaled did a great job on my refinance. With all the difficulties we went through, he was on top of everything. Thanks
- James at Pacific mortgage was very patient and had a lot of knowledge , in my case everything went smoothly, for that I give a five-star rating. And I am looking forward to working with them in the near future. thank you once again Pacific mortgage.read moreread less R. Villa11/22/2024×R. Villa11/22/2024James at Pacific mortgage was very patient and had a lot of knowledge , in my case everything went smoothly, for that I give a five-star rating. And I am looking forward to working with them in the near future. thank you once again Pacific mortgage.Excelente servicio por parte de Carlos galeread moreread less S. Zom11/22/2024×S. Zom11/22/2024Excelente servicio por parte de Carlos gale
- I recently worked with Raeda Jaber at Pacific Mortgage Group for my mortgage, and I couldn’t be happier with the experience. From our first meeting, she demonstrated an impressive depth of knowledge about the mortgage process and was always ready to answer my questions. Raeda took the time to understand my financial situation and helped me find the best mortgage option tailored to my needs. She guided me through every step, making what can often be a daunting process feel manageable and straightforward. Communication was excellent; I was kept informed at every stage, and I appreciated her quick responses to my inquiries. Thanks to Raeda’s expertise and support, I secured a great rate and closed on my home smoothly. I highly recommend Raeda to anyone looking for a reliable and knowledgeable mortgage broker. Thank you for helping me purchase my home.read moreread less N. Alsmadi10/24/2024×N. Alsmadi10/24/2024I recently worked with Raeda Jaber at Pacific Mortgage Group for my mortgage, and I couldn’t be happier with the experience. From our first meeting, she demonstrated an impressive depth of knowledge about the mortgage process and was always ready to answer my questions. Raeda took the time to understand my financial situation and helped me find the best mortgage option tailored to my needs. She guided me through every step, making what can often be a daunting process feel manageable and straightforward. Communication was excellent; I was kept informed at every stage, and I appreciated her quick responses to my inquiries. Thanks to Raeda’s expertise and support, I secured a great rate and closed on my home smoothly. I highly recommend Raeda to anyone looking for a reliable and knowledgeable mortgage broker. Thank you for helping me purchase my home.Excellent company to work with highly recommendread moreread less D. Golding10/24/2024×D. Golding10/24/2024Excellent company to work with highly recommend
- We recently closed on our first home in Florida, and working with Ramzi Al-Shurman as our loan officer was an excellent experience. My wife and I had many questions throughout the process, and Ramzi took the time to explain everything, ensuring we understood all our options and what was best for us. I was introduced to Ramzi by a coworker who had a great experience with him when purchasing his family home, and he absolutely lived up to that reputation. He is honest, hardworking, and genuinely cares about his clients. Not only did he make the entire process as smooth as possible, but he also secured us the best rate available. We couldn’t be happier with the service Ramzi provided. You won’t regret choosing him to work on your loan!read moreread less d. dejesus10/17/2024×d. dejesus10/17/2024We recently closed on our first home in Florida, and working with Ramzi Al-Shurman as our loan officer was an excellent experience. My wife and I had many questions throughout the process, and Ramzi took the time to explain everything, ensuring we understood all our options and what was best for us. I was introduced to Ramzi by a coworker who had a great experience with him when purchasing his family home, and he absolutely lived up to that reputation. He is honest, hardworking, and genuinely cares about his clients. Not only did he make the entire process as smooth as possible, but he also secured us the best rate available. We couldn’t be happier with the service Ramzi provided. You won’t regret choosing him to work on your loan!Khaled has always been very helpfull and always available. He gives promt answers and has been a key consultant for us during all our loan processes. We will surely continue to work with him.read moreread less a. gigli10/14/2024×a. gigli10/14/2024Khaled has always been very helpfull and always available. He gives promt answers and has been a key consultant for us during all our loan processes. We will surely continue to work with him.
- I was referred to KHALED and he did an excellent job. Thank youread moreread less H. Alkhatib10/13/2024×H. Alkhatib10/13/2024I was referred to KHALED and he did an excellent job. Thank youRamzi , thank you for everything. You help me so much. I will definitely put your name out there to my friends. I was a little nervous never did this before, but you were very understanding and help me with this difficult time. Thank you so much.read moreread less L. A10/12/2024×L. A10/12/2024Ramzi , thank you for everything. You help me so much. I will definitely put your name out there to my friends. I was a little nervous never did this before, but you were very understanding and help me with this difficult time. Thank you so much.
- ???? Khaled and Pacific Mortgage Group, We cannot thank you enough for the incredible effort you put into making this happen. Your dedication and hard work truly stand out, and it’s been an absolute pleasure working with you. We’re beyond grateful and proud to say we had the best by our side—you’re undoubtedly the top mortgage provider in Los Angeles! ???? We look forward to working with you again on future projects and continuing this great partnership. Rania Tabbahread moreread less R. Tabbah10/11/2024×R. Tabbah10/11/2024???? Khaled and Pacific Mortgage Group, We cannot thank you enough for the incredible effort you put into making this happen. Your dedication and hard work truly stand out, and it’s been an absolute pleasure working with you. We’re beyond grateful and proud to say we had the best by our side—you’re undoubtedly the top mortgage provider in Los Angeles! ???? We look forward to working with you again on future projects and continuing this great partnership. Rania TabbahRamzi at PMG is awesome!! He helped us with our home mortgage and answered all of our questions. He was always available to answer questions, professional and knowledgeable; typically answered my calls and texts instantly. Highly recommend.We will definitely do business again!read moreread less J. Sumner10/09/2024×J. Sumner10/09/2024Ramzi at PMG is awesome!! He helped us with our home mortgage and answered all of our questions. He was always available to answer questions, professional and knowledgeable; typically answered my calls and texts instantly. Highly recommend.We will definitely do business again!
- It was pleasure working with you. Thank you for your knowledge professionalism and honesty. Will be more than happy to work with you for future financesread moreread less M. Ismail10/09/2024×M. Ismail10/09/2024It was pleasure working with you. Thank you for your knowledge professionalism and honesty. Will be more than happy to work with you for future finances
Ramzie at Pacific Mortgage is second to none!!!! We recently used Pacific Mortgage for Our refinance and are Very happy with the Whole process from start to finish. We highly recommend Ramzie for all Your Mortgage needs. Stephen Parks.read moreread less
S. P.10/02/2024×S. P.10/02/2024Ramzie at Pacific Mortgage is second to none!!!! We recently used Pacific Mortgage for Our refinance and are Very happy with the Whole process from start to finish. We highly recommend Ramzie for all Your Mortgage needs. Stephen Parks. - Thank you so much to Khalid for assisting me purchase my new home. Khalid is very professional, communicative, and helpful. He was very attentive to details throughout the process which made it very smooth and straightforward. I recommend Khalid to anyone in need of a reliable, knowledgeable, and supportive loan officer. The level of service and care I received exceeded all of my expectations. Thank you again, Khalid, for your exceptional assistance!read moreread less K. Banihani9/24/2024×K. Banihani9/24/2024Thank you so much to Khalid for assisting me purchase my new home. Khalid is very professional, communicative, and helpful. He was very attentive to details throughout the process which made it very smooth and straightforward. I recommend Khalid to anyone in need of a reliable, knowledgeable, and supportive loan officer. The level of service and care I received exceeded all of my expectations. Thank you again, Khalid, for your exceptional assistance!Raeda and her team was amazing!! They made the process to easy and effortless.. thank you so much!!!read moreread less C. Cruz9/24/2024×C. Cruz9/24/2024Raeda and her team was amazing!! They made the process to easy and effortless.. thank you so much!!!
- Carlos and the team at Pacific Mortgage Group were effective and precise in assisting us with our mortgage loan. We appreciate their excellent work and gladly vouch for them.read moreread less r. aguilar9/10/2024×r. aguilar9/10/2024Carlos and the team at Pacific Mortgage Group were effective and precise in assisting us with our mortgage loan. We appreciate their excellent work and gladly vouch for them.My dear Roxana and Carlos, this was an extreme trip for the whole team, but we came out victorious. These people dedicate themselves to their work, achieving smiles. Personally, I don’t have more stars to give them, but I thank God for having dealt with them. I recommend them to you.read moreread less J. Osorno9/10/2024×J. Osorno9/10/2024My dear Roxana and Carlos, this was an extreme trip for the whole team, but we came out victorious. These people dedicate themselves to their work, achieving smiles. Personally, I don’t have more stars to give them, but I thank God for having dealt with them. I recommend them to you.
- My wife and I worked with James on a refinance and the whole process was an absolute breeze. He was very timely and responsive and incredibly helpful in guiding us through the process. Would definitely recommend!read moreread less J. Allen8/31/2024×J. Allen8/31/2024My wife and I worked with James on a refinance and the whole process was an absolute breeze. He was very timely and responsive and incredibly helpful in guiding us through the process. Would definitely recommend!I am very grateful to have found Ramzi for handling the mortgage for the construction of my house. I made the right choice by selecting him for a process that has been long, complicated, and challenging for everyone involved. Ramzi is a highly knowledgeable person; he always answered our questions whenever we needed him. Even though he was in another state with different time zones, this was never an issue. He was always very attentive, as was everyone in the office. This is a dream come true for me and my family. It has been a tough year, but finding Ramzi made it much more bearable for us. Thank you for everything!read moreread less A. Carmona8/31/2024×A. Carmona8/31/2024I am very grateful to have found Ramzi for handling the mortgage for the construction of my house. I made the right choice by selecting him for a process that has been long, complicated, and challenging for everyone involved. Ramzi is a highly knowledgeable person; he always answered our questions whenever we needed him. Even though he was in another state with different time zones, this was never an issue. He was always very attentive, as was everyone in the office. This is a dream come true for me and my family. It has been a tough year, but finding Ramzi made it much more bearable for us. Thank you for everything!
- Khaled is awesome, knowledgeable, and responsive. We got our refi done in record timeread moreread less M. Saheed8/26/2024×M. Saheed8/26/2024Khaled is awesome, knowledgeable, and responsive. We got our refi done in record timehighly recommend Raeda at Pacific Mortgage Group. She made the entire loan process smooth and stress-free with her expertise and excellent communication. Raeda and her team handled my refinance loan efficiently. Thanks to her, we closed on time and with very competitive loan terms. Truly outstanding service!read moreread less B. Abdallah8/26/2024×B. Abdallah8/26/2024highly recommend Raeda at Pacific Mortgage Group. She made the entire loan process smooth and stress-free with her expertise and excellent communication. Raeda and her team handled my refinance loan efficiently. Thanks to her, we closed on time and with very competitive loan terms. Truly outstanding service!
- I used James from PMG and the service was excellent! He is knowledgeable, friendly and really tries to help. He was always available to answer questions and responds right away to any questions! I had a great experience!! Highly recommend!read moreread less B. Fox8/19/2024×B. Fox8/19/2024I used James from PMG and the service was excellent! He is knowledgeable, friendly and really tries to help. He was always available to answer questions and responds right away to any questions! I had a great experience!! Highly recommend!Great customer service and attentive to your needs.read moreread less L. Felix8/16/2024×L. Felix8/16/2024Great customer service and attentive to your needs.
- I worked with James at Pacific Mortgage Group & had an amazing experience. He was able to over come some bumps in the road along the way and make it happen for us. He was always available by phone or email with any questions or concerns and responded promptly. I will definitely work with them again in the future! I highly recommend this company.read moreread less S. Vargas8/14/2024×S. Vargas8/14/2024I worked with James at Pacific Mortgage Group & had an amazing experience. He was able to over come some bumps in the road along the way and make it happen for us. He was always available by phone or email with any questions or concerns and responded promptly. I will definitely work with them again in the future! I highly recommend this company.So detail oriented and organized. Made the process of buying our home smooth, fast, and efficient. I highly recommend speaking with Raeda and her team first if you are looking to buy a house.read moreread less J. Kiswani8/12/2024×J. Kiswani8/12/2024So detail oriented and organized. Made the process of buying our home smooth, fast, and efficient. I highly recommend speaking with Raeda and her team first if you are looking to buy a house.
- Great job helping me buying a house in Hemet City, Khalid was so flexible and responsive and made the purchase happen in no time. ????????read moreread less H. Shoubaki7/28/2024×H. Shoubaki7/28/2024Great job helping me buying a house in Hemet City, Khalid was so flexible and responsive and made the purchase happen in no time. ????????The loan officer were very knowledgeable and took the time to explain all the details and options available to me. They were patient and answered all my questions, making me feel comfortable and informed throughout the process.read moreread less N. Blanco7/28/2024×N. Blanco7/28/2024The loan officer were very knowledgeable and took the time to explain all the details and options available to me. They were patient and answered all my questions, making me feel comfortable and informed throughout the process.
- Big Helper, and very honest fast processing And so friendlyread moreread less Z. Makhlouf7/20/2024×Z. Makhlouf7/20/2024Big Helper, and very honest fast processing And so friendlyWhat can I say. From the moment Raeda and her team grabbed my family it was all smooth. Every info and everything needed was clear. Raeda was always available to talk. Even when she was on vacation. They made my process to secure the loan for my new home amazing. Thank you so so muchread moreread less M. Ismail7/14/2024×M. Ismail7/14/2024What can I say. From the moment Raeda and her team grabbed my family it was all smooth. Every info and everything needed was clear. Raeda was always available to talk. Even when she was on vacation. They made my process to secure the loan for my new home amazing. Thank you so so much
- Raeda always helps and makes life easy. We were in a rush to pull out a loan and she was able to get it done and funded in 3 weeks. She works every fast, efficient, and always helpful. She on top of everything even after, will always use them. And this is our 5th time using them always greatread moreread less A. Maida7/03/2024×A. Maida7/03/2024Raeda always helps and makes life easy. We were in a rush to pull out a loan and she was able to get it done and funded in 3 weeks. She works every fast, efficient, and always helpful. She on top of everything even after, will always use them. And this is our 5th time using them always greatIn my experience working with Pacific Mortgage it was second to none. It is my second property that I carry out procedures with this company and the treatment was exceptional. Carlos Gale was the person in charge on this occasion and it goes without saying that he is an excellent professional, knowledgeable in the credit area, they take you by the hand in an efficient and punctual manner and thus avoid any type of setbacks that could delay the process. of credit. I recommend them 100% for anyone who wants to enter the world of real estate purchasing, in addition to Carlos Gale’s professionalism, he is quite agile in a second language like Spanish so there is no limit for the Latin market.read moreread less G. Reveron6/29/2024×G. Reveron6/29/2024In my experience working with Pacific Mortgage it was second to none. It is my second property that I carry out procedures with this company and the treatment was exceptional. Carlos Gale was the person in charge on this occasion and it goes without saying that he is an excellent professional, knowledgeable in the credit area, they take you by the hand in an efficient and punctual manner and thus avoid any type of setbacks that could delay the process. of credit. I recommend them 100% for anyone who wants to enter the world of real estate purchasing, in addition to Carlos Gale’s professionalism, he is quite agile in a second language like Spanish so there is no limit for the Latin market.
- Ramzi did everything in his power to facilitate the home buying process for my family and I. He was communicative, understanding, and made it a point to follow through with lenders who were generally unresponsive. His team offered a great rate too. He pushed until he made it happen! 5 stars all the way to Ramzi and the Pacific Mortgage Group.read moreread less J. Pierre6/16/2024×J. Pierre6/16/2024Ramzi did everything in his power to facilitate the home buying process for my family and I. He was communicative, understanding, and made it a point to follow through with lenders who were generally unresponsive. His team offered a great rate too. He pushed until he made it happen! 5 stars all the way to Ramzi and the Pacific Mortgage Group.Even on his preplanned vacation, James was on it and relentless to ensure all my questions were answered and that our deal would close on time! James Allen, we were very blessed to have found you.read moreread less Y. Velasco6/15/2024×Y. Velasco6/15/2024Even on his preplanned vacation, James was on it and relentless to ensure all my questions were answered and that our deal would close on time! James Allen, we were very blessed to have found you.
