Commercial
Ground Up Construction in Suwanee, GA
What is a Ground Up Construction? Ground Up Construction is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Suwanee, GA.
Custom Mortgage arranges Ground Up Construction financing in Suwanee, GA and across Gwinnett County. Gwinnett County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Gwinnett County at $380,900, $451,850 below that one-unit limit.
Median household income there is $87,890 and 66% of homes are owner-occupied (Census ACS 2024).
Key Facts About Ground Up Construction
CMRE Ground Up Construction ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Ground Up Construction.
CMRE Ground Up Construction closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Ground Up Construction ranges $250K to $50M.
CMRE commercial bank statement programs for Ground Up Construction.
CMRE Ground Up Construction closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates allow for optimized project budgeting.
Financing available for a wide range of commercial construction projects.
Up to 75% Loan-to-Value (LTV) to maximize your investment potential.
Streamlined application process for quick approvals and efficient funding.
Expert guidance and support from our experienced commercial lending team.
Flexible loan terms tailored to your project's specific needs and timelines.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$250K - $5M
Amortization Options
Eligible Properties
- Retail
- Office
- Industrial
- Multifamily
- Mixed-Use
Program Requirements
Income Documentation
- •Demonstrated history of successful project management or development.
- •Detailed pro forma income statements showcasing project profitability.
- •Personal or business tax returns to verify financial stability.
Asset Verification
- •Sufficient liquid assets to cover project contingencies and cost overruns.
- •Schedule of all owned real estate, including values and outstanding mortgages.
- •Verification of funds for down payment and closing costs.
Insurance & Title
- •Builder's risk insurance to protect against property damage during construction.
- •General liability insurance coverage.
- •Workers' compensation insurance, if applicable.
Property Requirements
- •Minimum FICO score of 640.
- •Clean credit history with no recent bankruptcies or foreclosures.
- •Demonstrated ability to manage debt responsibly.
- •Satisfactory credit report reflecting responsible credit behavior.
Ground Up Construction in Suwanee: The Complete Guide
What Is Ground Up Construction?
Ground-up construction loans are specifically designed to finance the construction of a new building from the ground up. Unlike renovation loans, these loans cover all phases of construction, from land acquisition to the completion of the building. They are typically short-term loans, structured to provide funds as needed throughout the building process. Understanding the nuances of these loans, including interest rates, disbursement schedules, and collateral requirements, is crucial for successful project financing.
Qualifying for Ground Up Construction
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Ground Up Construction vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Ground Up Construction with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Gwinnett County
$2,249/mo
Based on $415,000 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Gwinnett County
$2,905/mo
Based on $415,000 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Gwinnett County at a glance
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $380,900
- Source: Census ACS 5-year, 2024
- Median household income
- $87,890
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 66%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.3
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: Gwinnett County
Source: Redfin · 2026-01-31Median Sale Price
$415,000
Median List Price
$448,000
Price / Sq Ft
$177.188
Days on Market
68
Active Listings
2,855
Homes Sold
592
Sale-to-List Ratio
97.2%
2026 Conforming Loan Limits: GWINNETT
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Ground Up Construction in Suwanee, GA
Gwinnett County is the most economically diverse county in metro Atlanta, and its real estate market reflects that heterogeneity across price points, property types, and buyer demographics. The median sale price of $415,000 is down a modest 1.2% year-over-year against a backdrop of 2,855 active listings and a 68-day average days on market — considerably faster than neighboring Cobb or Fulton. The 97.2% sale-to-list ratio indicates that pricing discipline is intact and transactions are occurring near full asking price.
Gwinnett's housing stock ranges from entry-level townhomes in Lawrenceville to luxury single-family estates in Peachtree Corners and Johns Creek, which means the product coverage we need spans FHA at the low end, conventional in the mid-market, and jumbo for the premium neighborhoods. The county's significant immigrant and first-generation homebuyer population makes it one of the most multilingual real estate markets in the Southeast — we have loan officers fluent in Mandarin, Korean, Hindi, and Spanish specifically to serve this community.
Gwinnett County has one of the most diverse borrower profiles we serve anywhere in the country. The county's large Korean-American, South Asian, and Hispanic communities generate substantial non-QM, ITIN, and alternative documentation loan activity alongside conventional and FHA volume. Tech workers from the technology corridor along Georgia 400, healthcare professionals, and small business owners round out a borrower mix that requires a versatile product shelf and culturally fluent loan officers.
Explore ITIN and alternative documentation programs early if your income or residency status is non-standard — Gwinnett's borrower diversity makes our non-QM product suite consistently the right tool for this market.
Service Areas & Neighborhoods
Our Suwanee Presence
Local Knowledge. Global Rates.
3344 Peachtree Rd
Atlanta, GA 30326
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Ground Up Construction in Suwanee
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Ground Up Construction rates in Suwanee vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The Gwinnett County market has seen home prices fall 1.2% year-over-year — buyers currently have more leverage, but rate locks still protect you from market moves.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Suwanee and throughout Gwinnett County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for Gwinnett County business owners purchasing or refinancing commercial real estate.
See all Ground Up Construction questions and program details
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TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
