HomeConstructionLoan.com / Arroyo Consulting Group, Inc. Macarthur Blvd, Newport Beach

Last year we purchased a historical home in the San Francisco Bay Area of California that needed a massive renovation and addition. Fortunately, our realtor recommended Ty Kirkpatrick for help with a construction loan. His deep experience and valuable consultation helped us overcome a low appraisal, one lender leaving the marketplace, and continually escalating construction costs. Throughout the process he was professional, highly responsive and continually reassuring. Ty and his team at HomeConstructionLoan have our thanks and appreciation. We surely would not have had peace of mind without him, and we cannot wait to invite him over for our first housewarming event. We recommend him to the highest degree, and have already introduced them to our friends considering other projects.

‘We are building a luxury home in Colorado and found Arroyo Consulting Group through a Google search. I was concerned they were located in California, but Ty Kirkpatrick quickly impressed me with his knowledge and clarity regarding financing high-end projects. I also had the opportunity talk with three of his easily verified references, who had each completed their homes and spoke highly of the firm. I did my research, I shopped them, and they delivered the lowest 30-year fixed rate loan in the market. Bottom line- Ty and his team are highly responsive, experts and earned our continued trust and confidence.

We had applied for a construction loan with three other large banks and found their services and understanding of construction lending to be very poor and their lack of interest in working with us. My many calls, emails, and texts messages to Mr. Kirkpatrick, with a long list of questions, were always answered live or returned promptly with accurate information. Mr. Kirkpatrick, never waiver on his conviction to help us secure the construction loan. He was always available at any time including weekends to answer our questions. We highly recommend with absolute confidence their company to anyone needing land or home construction financing. The Inneh Family, Santa Clara County, California Best regards

My husband and I are building our custom home in Woodside California and found HomeConstructionLoan through a Google search (or was is a postcard?). We keep exceedingly busy with fast-paced tech-sector jobs and found their single point of contact very helpful. Ty Kirkpatrick, one of the partners, was highly responsive to all communication and consistently kept us apprised of the progress on our loan. His firm was able to arrange a substantial construction-to-permanent loan at a rate we could not find anywhere else. Our trust and confidence was well-placed and we recommend his firm without reservation to everyone seeking to finance home construction.

Our young family is growing and adding onto our home became a necessity. We are adding a 2nd story, as well as remodeling. Our general contractor had recommended Ty Kirkpatrick at HomeConstructionLoan as a reputable source for financing home construction and we are glad he did. His team was able to combine our first mortgage with the entire cost of construction at a rate just a hair higher than our current first. Ty and his firm are highly knowledgeable. During the loan process he responded to dozens of calls, emails and texts promptly, completely and accurately. They have our full recommendation.

Referred by a very good family friend in the mortgage industry, we came to HomeConstructionLoan with our new home well under construction, something I found very few lenders accept. There was a bit of paperwork, but Ty Kirkpatrick and his team is a amazing job. They took the lead, steered us around potholes and delays, driving to the finish line at a time Covid made borrowing very difficult across California. We locked in an amazingly low 30-year fixed rate for both the construction and the permanent phases. They have our sincere appreciation and highest recommendation.

I worked with Ty Kirkpatrick and could not be happier with how things turned out. Not only did Ty get me a great rate (much lower than any other bank I had talked to), but he was also able to get me a 30 year fixed for my new construction home in the San Francisco Bay Area! I would have never been able to find a construction loan with these terms on my own. In addition, the process of obtaining a construction loan is not an easy task. However, Ty was there by my side helping me every step of the way, making the process as smooth as possible. He always made himself available and is very quick to respond. While we did hit some bumps along the way, Ty gave me the confidence and reassurance that he would pull through for me in the end - and that he did! I would definitely recommend working with Ty Kirkpatrick if you are in need of a construction loan. You will be in good hands.

We found it extremely difficult to find the right lending solution for our home addition and remodel. Initial Google searches pointed us to the large national lenders. We came away unimpressed and empty-handed when diving into the details of what those institutions can offer. After hours/days of research running into dead end after dead end, we thought we found a solution with a potential lending provider but only to run into another dead end after several phone calls with our contact. Unfortunately, the flexibility desired with the total cost of construction was hard to overcome with other providers. We were about to change our scope of work to lower the cost until we FINALLY found Ty Kirkpatrick at HomeConstructionLoan/ Arroyo Consulting Group. After one phone call -- we realized we found the right team to support us. Ty and his team walked us through the process required during the initial call and provided very helpful documents to aid our understanding. While the process can be daunting (certainly was for us), it was clear we found the right partner to help us navigate the many hurdles to arrange a construction-to-permanent loan. Ty was highly responsive throughout the process and answered each of our questions in stride. We could not have made it through this process without Ty's / Arroyo's support. In the end, we secured a construction-to-permanent loan at a rate we could not find elsewhere AND we did so without a change to the full scope home addition and remodel. We would highly recommend Ty Kirkpatrick to others about to embark upon a home addition and remodel. The Wernimont Family, Lafayette, CA

Ty Kirkpatrick at Arroyo Consulting has assisted me with home financings for more than 5 years now. My financial records are complex and most financial institutions are challenged in understanding them. Most recently, Ty facilitated a sizable financing on a home with a short closing window. He provides sound, professional advice and has his client's best interest in mind.

We were referred to Ty Kirkpatrick at HomeConstructionLoan / Arroyo Consulting Group by two other families building homes in the San Francisco Bay Area who have also worked with them. Our project is a little unique in that a substantial portion of the project involves the prefabrication of the home in a manufacturing facility before delivery. Despite it being of equal to or better than the quality of many more traditional site-building methods, prefabricated is often misunderstood and a non-starter for most construction lenders. Thankfully, Ty had the experience and background to overcome the challenge and help us fund an outstanding construction loan with a permanent mortgage. He and his team were extremely responsive throughout the loan process, and we highly recommend them to anyone undertaking home construction.' Rahul S. and Carissa L., San Mateo County, California