Channel Islands Mortgage Services

Construction Loans

Construction & Renovation Financing

Structured Capital to Build Your Dream Home or Execute Major Renovations

Building a custom residence or completing a comprehensive property renovation requires specialized loan structuring that manages contractor draws, architectural approvals, and transition to permanent financing. Channel Islands Mortgage Services provides custom construction financing solutions for homeowners, builders, and developers.

Construction Financing Programs

  • Single-Close Construction-to-Permanent Loans: A streamlined loan that finances initial land purchase and construction costs, then automatically converts into a permanent long-term mortgage upon completion—requiring only one closing and one set of closing costs.
  • Two-Close Construction Loans: Short-term interim construction financing followed by a separate permanent loan closing upon completion.
  • Major Renovation & Remodel Loans: Capital to complete additions, structural overhauls, or extensive modernizations.
  • Spec Construction & Builder Lines: Customized financing for residential builders and real estate developers.

How We Support Your Build

We work directly with your general contractor, architect, and inspector to ensure draw schedules are established clearly and disbursements are executed on time, keeping your project moving smoothly from breaking ground to final occupancy certificate.

Plan Your Custom Build With Robert Clark
Call: (805) 652-6932 | Email: [email protected]
NMLS #440892 | Company NMLS #2621592

Channel Islands Mortgage Services Accessibility Statement

General

Channel Islands Mortgage Services strives to ensure that its services are accessible to people with disabilities. Channel Islands Mortgage Services has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on Channel Islands Mortgage Services website

Channel Islands Mortgage Services makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows cimsloans.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

Channel Islands Mortgage Services accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer

Channel Islands Mortgage Services continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on Channel Islands Mortgage Services website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on Channel Islands Mortgage Services website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: [email protected]

Verified: Channel Islands Mortgage Services