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Luxurious House

Custom Home Builders

Welcome to Ross Commercial Capital Group, where we specialize in providing customized financing solutions for custom home builders. With a focus on ground-up construction loans for 1 to 4 unit properties, we understand the unique financial challenges that builders face.

Embarking on a project without a buyer can be daunting, but our tailored financing options are designed to support you every step of the way. What sets us apart is our holistic approach to lending. As part of the RossCap brand, our full-service real estate and mortgage brokerage goes beyond traditional lending by offering comprehensive support throughout your project. From assisting with marketing and listing to facilitating showings, we're committed to ensuring your success.

Ground Up Terms

Property Types

Homes with 1-4 Units

Loan Amount

$50,000 - $5,000,000

Maximum Loan To Cost

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 80% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

Maximum Loan to ARV

Up to 70%

Term Length

12 months, Up to 18 at Lender Discretion


Full Recourse

Streamlined Financing Solutions for Your Buyers

Moreover, we offer financing solutions for your potential buyers at any stage of construction, including one-time close construction loans to streamline the process. With complete transparency and in-house management, we minimize disruptions and save you thousands on fees. Whether you're building to sell or rent, Ross Commercial Capital Group is your trusted partner in bringing your vision to life. Let us handle the financing so you can focus on making your project a reality.

Transaction Management

As a custom home builder, your success hinges on delivering exceptional solutions and support to your clients. With Ross Commercial Capital Group, you can take your business to the next level. Our tailored Transaction Management Service is crafted specifically for custom home builders, providing comprehensive solutions to meet your unique needs. With our in-house expertise, we offer full-service real estate and mortgage brokerage under one roof, empowering you to deliver unmatched value to your clients.

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One-Stop Solution

Tired of dealing with multiple vendors for financing, marketing, and selling your properties? With our transaction management services, you'll have everything you need under one roof. From securing funding to marketing your properties, we've got you covered.


Efficiency and Transparency

Our in-house management saves you time and resources, allowing you to focus on growing your business.

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Long-Term Partnership

Beyond financing, we're committed to championing your success in the custom home-building industry. Consider us more than just lenders – we're your dedicated partners, offering ongoing guidance and unwavering support at every stage of your custom home building journey. With our expertise and resources, you can confidently navigate challenges, seize opportunities, and achieve your goals, ensuring long-term success in the custom home-building market.

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Download the brochure to know more about transaction management!

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Download our brochure to learn more about our lending criteria!

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