Spec Takeout

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We Can Save Money and Lower Your Project’s Cost On A Spec Loan!

Pacifica South Bancorp can convert a builder’s spec loan into a Construction-to-Permanent Loan for the buyer...

EVERYBODY WINS - THE BUILDER and THE BUYER

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Buyers AND Builders win with our unique one-time close Construction to Permanent Loan.
Here’s how we help…

 - Replace expensive builder financing with consumer Construction-to-Permanent financing

 - Reduce debt burden so the Builder can access additional funding for future projects

 - And best of all, your builder doesn’t have to wait until the home is finished to get paid

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