Construction Loans


What is a Construction Loan?

It is one which finances the construction of a home, provided in numerous disbursements as progress is made. These loans are interest only while construction is being done; usually over a period of 6-36 months. Once finished, it is up to the borrower(s) to convert the loan into a 30-year conventional mortgage with a different lender.


Western Highland Mortgage provides Construction Loans with the following parameters:
  • Spec or Owner-occupied

  • Lot is owned free and clear

  • Permit fees must be paid

  • We will not lend on primary residences; secondary or spec only


Typically we require a 65% Loan-To-Value based on the total cost of construction.


Areas of service include (but are not limited to):

  • ​Northern California

    • Sacramento & the surrounding areas

    • Lake Tahoe: All areas of the basin, Truckee & Tahoe Donner

    • Lassen County

    • El Dorado County

    • Amador County

    • Shasta County

    • Glenn County

    • Tehama County

    • Butte County

    • Mono County

    • Alpine County

  • Northern Nevada

    • Reno & the surrounding areas

    • Douglas County

    • Washoe County

California Office:

3170 U.S. Route 50, Suite 10

South Lake Tahoe, CA 96150

(530) 577-5050


Nevada Office:

171 Kingsbury Circle

Stateline, NV 89449

(775) 996-4321

NV Mailing Address:

P.O. Box 354

Zephyr Cove, NV 89448



Toll Free:





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California BRE #00656844

CFL #607-2162, #607-3352

NVMLD #1919


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