Construction loans in Phoenix, AZ
A ground-up or renovation construction loan funds the build, then typically rolls into a permanent mortgage. Giancarlo Anduray (NMLS 1537433) structures these for Phoenix and Glendale lots and rebuilds through AFM Lending, powered by PMR — with the same tax conversation as every other file.
This is not a form-only page. If you need hard money, lease-to-own, ITIN, or foreign-national overlays, those are sibling programs, not this product.
How construction loans work
Draws fund inspections as the project progresses. Many files convert to a permanent conventional, FHA, VA, or Non-QM mortgage at completion. Builder experience, plans, and contingency reserves still matter.
Ground-up vs renovation
Ground-up is a vacant lot or teardown. Renovation / one-time-close products can finance purchase plus rehab. We match the structure to the property — not a generic “construction” checkbox.
Phoenix and Glendale builds
Permits, insurance, and contractor timelines in the Valley are the real delays. We originate from 4733 W Thomas Rd Ste 5. Expansion cities (Scottsdale, Tempe, Peoria, Cave Creek, Surprise) use the same office.
When hard money fits instead
If the timeline or credit does not fit a bank construction file, see hard money. Construction here is the agency / Non-QM build path, not a flip bridge.
Tax planning
Interest, basis, and whether you occupy or sell at completion change the return. Mi Casa Tax Advisors sits in that conversation.
What to bring
Plans, builder info, lot or current property details, and how you will occupy or exit. We will tell you whether this is a construction file or a different overlay.
Hablamos Español
Bilingual EN/ES from the Phoenix office.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.