Residential Construction
At Bank of Alameda we have loan programs to fit almost any residential construction situation. From land acquisition loans to the cost of getting plans and permits - we have you covered.

Build to Suit Custom Homes
Many custom and semi-custom build to suit projects can be daunting to the home buyer. We realize the process of building a custom home or building involves a significant financial, emotional, and physical process that, properly executed can be very rewarding. Bank of Alameda offers a simple way to build and finance your dream home, and simultaneously provides you with peace of mind during the process.

Home Improvement Loans
A popular concept is to stay put and improve your residence. This process often involves extensive remodeling and the loan is often predicated on the future value of your home. Bank of Alameda is quite active in San Francisco, the Oakland Hills and in Alameda extending Home Improvement Loans to provide homeowners with their dream home without moving.

Re-sale Projects (aka "spec homes")
The experienced staff at Bank of Alameda attracts the professional contractor and developer. They know the value of a quality construction lender aligned with their interest - constructing a quality product at competitive rates, with speedy and efficient service. It is no secret why contractors enjoy financing their projects at Bank of Alameda; it is the people that help them.

In- fill Subdivisions
With the scarcity of land in the Bay Area many residential development projects fall in the category of Small In-fill Subdivisions. Bank of Alameda is well positioned to finance these projects. Typical in­fill projects range from 2 to 16 units in size.

Condo Conversions
As population growth continues to pressure local agencies to create more, higher density, housing, this process has become profitable for many property owners. Our team of lenders understands the dynamics of this development niche, and has solid relationships in the Title Insurance and Mortgage industries.

Commercial Real Estate Loans
Bank of Alameda has been quite active in lending into the real estate renaissance in the communities we serve. In the cities of Emeryville and Oakland the Bank has financed numerous live–work projects and small commercial buildings that are hanging the landscape in these cities. We specialize in constructing:

• Retail
  
  
• Industrial
  
  
• Office
  
  
• Multi-family

Additionally, we can offer specially structured facilities for Owner-User projects that benefit from SBA financing.

The Custom Construction Loan Process

1. Choose or purchase land
   
   
2. Choose an architect and plans
   
   
3. Choose a contractor
   
   
4. Get permits through the city
   
   
5. Watch it grow
   
   
6. Move in

We can help you make it happen at any step of the way- from a preliminary assessment of your financial capacity to providing an alternative to an offer in hand from another Lender. Once you have an identified need, we would like to talk with you about your vision.

For more information on our programs please contact:

Adam M. Howard
(510) 748-8451
howarda@bankofalameda.com

Donna K. Crane
(510) 748-8803
craned@bankofalameda.com

Tom Rodriguez
(510) 748-8816
rodriguezt@bankofalameda.com

OAKLAND COMMERCIAL BANKING CENTER
155 Grand Avenue Suite 100
Oakland CA 94612-3721