News
March 2008
Spec-Loan.com offers Hard Money Rehab Loans in New Orleans. We are helping to rebuild New Orleans through No Money Down Rehab Loans In New Orleans.
Read More on Hard Money Rehab Loans

January 2007
Spec-Loan.com begins financing Preconstruction Duplex Properties with only $5,000 down. A list of available Preconstruction Duplexes with $5,000 down is available here.
Read More on Preconstruction Duplex

December 2006
Spec-Loan.com coordinates Pre Construction Loan for 4 attached townhomes for builder in Tampa, Florida totaling $1.3 Million.
Read More

November 2006
Construction Loan for $650,000 Spec Home in Savannah, Georgia financed with $5,000 down coordinated by Spec-Loan.com
Read More

IMPORTANT
All scenarios outlined are subject to Loan-To-Value and Credit Approval. Spec-Loan.com is not a lender and does not extend credit. This site is for information purposes and to connect you with a Lender.

What is a Spec Loan?
When a Builder or Investor builds a new home that does not have an end user, You are speculating that once the home is complete someone will want to live there. Spec Homes usually generate the highest levels of profit for Builders and Investors because of this added risk.

Spec-loan.com is your online portal for the most aggressive builder spec and investor construction loans available. Our lenders accept construction loans from mortgage brokers in addition to working directly with consumers. Simply request a Spec Construction Loan quote and we will put you in contact with a specialized lender within 24 hours. Most sources of Spec Loans all use the same program, we don't! We are the exclusive source for all of our construction loans.

  • $5000 Out-Of-Pocket for Down Payment and Closing Costs
  • Financed Interest Reserve to avoid payments during construction
  • Up to 4 Construction Loans per Borrower
  • Loan Amounts to $1,000,000.00
  • No Income Verification available
  • Builder Spec Loan
    • Builder acts as Borrower and Contractor to complete and sell or retain home
    • Flexible draw schedule and fast draws
    • Financing for many loans banks were unwilling to make
  • Real Estate Investment Property Spec Loan
    • Allows the average person to invest in new construction with only $5,000 out-of-pocket
    • Take advantage of potential apprecaition during construction
    • Flexible Exit Strategy: Sell upon completion or Retain as a Rental

If you are interested in investing in Pre-Construction but don't know where to start, check out PreConstruction for a list of Pre-Construction Investments.

Check out our new Pre-construction Duplex program. Financing Pre-construction Duplex properties with only $5,000 down.