Loan Scenario:

An experienced builder with three verified projects behind them — two ground-up developments exited in 2025 and a ground-up REO that earned its certificate of occupancy in early 2026 — brought American Heritage Lending a ground-up construction refinance in Egg Harbor Township. With land valued at $380,000, a construction budget of $1,035,000, and an after-construction value projected at $2,100,000, the project was financed to 90% of cost while landing at a conservative 60.64% of the completed value.

Structured as a 12-month interest-only term, our construction loan gave this builder the runway and the leverage to see the project through, from demolition and site preparation to framing, roofing, and interior finishes. The wide margin between the loan amount and the after-construction value reflected exactly the kind of disciplined budgeting and proven execution we like to see, with a clear plan to sell upon completion.

Egg Harbor Township sits just inland from Atlantic City and the Jersey Shore, a stretch of New Jersey where buyer demand for new, high-quality single-family homes has stayed strong. Delivering fresh product with an after-construction value north of two million dollars positions this builder squarely in a segment where well-built inventory is scarce.

With financing in place, this seasoned developer can focus on execution and a clean exit. If you build ground-up and want a lending partner who understands the process, reach out to explore your financing.

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