Stonehaven Lending

Stonehaven Lending is a real estate financing brokerage headquartered in Alpharetta, Georgia. We help builders and developers structure financing for land acquisition, site development, ground-up construction and the transition into long-term debt.

What stands out about Stonehaven’s construction lending material is how much of it is spent talking a builder down from the headline number. The firm separates 100 percent loan-to-cost from 100 percent of construction costs and states plainly that financing a budget does not mean zero cash is required. It publishes a September 2026 transaction in which it arranged financing for the full stated construction budget on a Brookhaven, Georgia teardown and rebuild, with the builder’s equity already in the land, and then immediately notes that this is not 100 percent of every project cost and does not establish that another builder needs no cash. Qualifying projects may be considered for up to 100 percent of eligible costs, subject to budget, equity, completed value, experience and underwriting.

The project types it structures around

Buy, demolish and rebuild, where it asks for purchase price, demolition cost and new build budget shown separately, with permitting time accounted for. Building on land already owned, where ownership basis, estimated land value and current payoff all come first, because existing debt has to be cleared before land equity can support a new loan. Build-to-sell versus build-to-hold, which need different exit assumptions: comparable sales for a sale, supported rent and expense estimates for a refinance. Spec homes with no presale, which get their own review built on comps, a marketing timeline and carrying costs. Multiple homes and phased starts, where the firm wants to see commitments, unfinished work and overlapping cash needs across a builder’s existing projects before adding another. And multifamily development.

The advice it gives on comparing offers

Compare the funding schedule, not just the commitment. On a construction loan the draw mechanics determine whether a builder can actually pay subcontractors on time, and two loans with identical headline leverage can behave very differently once work starts.

Status and scope

Stonehaven Lending is a mortgage brokerage, NMLS #1752355, operating from 10 Roswell Street, Suite 102 in Alpharetta. Commercial, SBA and DSCR programs run nationwide subject to state availability; residential financing covers Georgia, Alabama, Tennessee, Florida, North Carolina and South Carolina. Inquiries are answered within one business day, and the firm publishes a sources and editorial standards section alongside its guides.