Ground up construction loans for lots inside Oxnard's growth boundary.
We fund ground-up construction in most states, up to 70% LTV and 85% of cost, with draws that keep pace with your build. In Ventura County, most land outside city boundaries sits under a voter-locked growth boundary, so a buildable lot inside Oxnard and its sibling cities is a different asset than raw acreage next door that no builder can touch without a ballot measure. A lot inside Oxnard's certified Coastal Zone adds one more layer, a Coastal Development Permit, to the entitlement calendar. Business-purpose only, and every term is set in underwriting.
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
We finance both the land and the vertical construction, with a draw schedule built around your timeline. Experienced builders can access higher leverage on cost.
*Typical terms, subject to underwriting and market conditions.
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Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-28.
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