Construction Loans Ground Up in Paulding County Georgia
Fast approvals, contractor-friendly draw schedules, local Georgia expertise. Close in 7–14 days on shovel-ready projects. Up to 75%–80% LTC (cost) and 70%–75% ARV. Interest-only during construction, no tax returns required (asset-based).
Why Builders & Investors Choose CheapLOI.com
What Sets Us Apart
- Asset-based underwriting: focus on land + plans + budget + exit.
- Contractor-friendly draws: fast inspections, digital photo verification.
- Local know-how: permitting flow, soils, utilities, and inspections across Paulding County.
Transparent fees and timelines (ADA & FTC-compliant language).
Experience & Reach
CheapLOI.com has funded 1,000+ Georgia investment projects across new builds, infill developments, teardown-to-new constructions, and small subdivisions. The company is trusted from Atlanta to Savannah and is actively serving investors in Dallas, Hiram, Braswell, New Hope, and surrounding corridors.
PROGRAM OVERVIEW
Feature | Ground-Up Construction Loan (Paulding County) |
Loan Amounts | $200,000 – $6,000,000+ |
Leverage | Up to 80% LTC; up to 75% ARV |
Rates | Market-based (starting ~10.25%–12.99%), interest-only |
Term | 12–18 months (+ optional 3–6 month extension) |
Draws | Staged draws; 48–72 hr typical after inspection |
Borrower Type | LLC or entity preferred |
Minimum FICO | Flexible (600+ recommended) |
Collateral | Land + improvements; personal guarantee typical |
Exit | Sell, DSCR refi, or conventional take-out |
Close Time | 7–14 days with complete file |
How to Qualify
We Focus On The Deal:
- Recorded/contracted lot or teardown in Paulding County
- Stamped plans and line-item budget (labor & materials)
- GC experience or builder resume (owner-builder considered)
Proof of permits/entitlements path and exit plan (sale/refi)
Property Types Eligible
- Single-family spec homes (infill or small plats)
- Duplexes/townhomes (2–8 units)
- Small multifamily (up to ~20–40 units, case-by-case)
- Mixed-use/light commercial (select)
- Teardown-to-new on oversized or underutilized lots
Transparency & Trust
- E-E-A-T: Licensed pros, Georgia market expertise, 1,000+ funded projects
- Google Ads & FTC: Clear terms, no misleading claims, fees disclosed on LOI
- Privacy (CCPA/CPRA): Data used only to underwrite and service your loan
- ADA-Friendly: Plain-language copy, high-contrast CTAs, short paragraphs
How It Work
Submit scenario
Same-day LOI
Closing & first draw
48–72 hrs per draw after inspection
Banks vs. Private Loans
Close in 7 - 10 days
Fast Draws
Flexible Credit Score
Asset-based Underwriting
No Income Docs Required
Local Knowledge
We understand Paulding County specifics:
- Typical soil tests, septic vs. sewer considerations
- Right-of-way and utility taps timing
- County and city permits (Dallas/Hiram), erosion control, and foundation inspections
- Seasonal weather buffers for slab, framing, and roofing timelines
Nearby markets we serve naturally in content: Atlanta, Augusta, Savannah, Columbus, Macon, Athens, Sandy Springs, Roswell, Albany, Johns Creek.
Landmark reference: Near Paulding County Courthouse (Dallas, GA).
Investor-heavy ZIPs: 30132, 30157, 30141.
FAQs
Typical leverage is up to 80% LTC and up to 75% ARV, subject to appraisal and builder experience.
With complete docs and clear title, many projects close in 7–14 days.
No. We prioritize asset-based underwriting (plans, budget, ARV, exit).
Yes—bring a strong GC partner or detailed plan. We lend to experienced and newer builders case-by-case.
After inspection/photo verification, funds typically release in 48–72 hours.
Sell on completion or refinance to DSCR rental or conventional take-out.
Ready to build in Paulding County?
Fast approvals. Transparent draws. Local Georgia expertise. Apply now for fast approval Or call: (800) 664-7505.