Construction Loans in Irvine
Ground-Up, ADUs and Rebuilds.
Private construction financing for Irvine builders and investors, with draws tied to completed work and inspection milestones.
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Construction Loans in Irvine
What to Know About Irvine
Irvine is almost entirely master-planned, built village by village from the 1970s onward. Nearly every neighborhood sits under at least one homeowners association, and many of the newer villages are inside Mello-Roos districts.
Ground-up construction in Irvine is limited, since most of the city is built out by master developers. Projects here are usually additions, ADUs and full remodels, and nearly all of them need HOA architectural approval before city permits. We underwrite against approved plans and the completed value, and build the HOA timeline into the draw schedule.
How It Works
Construction Loan Terms
Rates, leverage, points and fees depend on the project and are disclosed in writing before you commit.
Where We Lend
Irvine Neighborhoods
We lend throughout Irvine and the rest of Orange County, including these areas.
Straight Answers
Construction Loans in Irvine: Questions
Do I need HOA approval before you’ll fund an Irvine remodel?
Yes. Most Irvine villages require HOA architectural approval before city permits, and we underwrite to the approved plans.
Do you lend in Irvine?
Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Irvine, rather than routing them through an out-of-state call center.
How do construction draws work?
The loan is released in stages. As each phase of work is completed, it’s inspected, and the next draw is funded. That keeps the money matched to progress on the job.
More in Irvine
Construction Loans Elsewhere in Orange County
Have a Build in Irvine?
Tell us about it and we’ll give you a straight answer.
Get Started → or call (818) 937-9987Serving Irvine and Orange County, California
Michael Daniel Investments, Inc.
417 Arden Ave, Suite 121A, Glendale, CA 91203 · (818) 937-9987
California Department of Real Estate DRE# 02037255 and NMLS# 233991.