Client Testimonials

client testimonials

In today’s technology-driven world, searching for home construction loans begins and ends with the Internet and there’s no better way of getting to know and Arroyo Consulting Group than by letting our construction loan and construction consulting clients speak for us.  Each client review and testimonial represents a dream come true for our clients and making dreams come true is what we’re all about!

Building your Dream House is a Once-in-a-Lifetime experience and the single largest financial investment that most families will make in their entire lifetime. Emotional and Financial investments of this magnitude should not be taken lightly and doing business with someone you trust is as important to you as it is to us.



Wailea, Hawaii  

“Ty had flown over to meet in person with other clients also building on Maui and had the opportunity to meet our same local Maui builder and our architect. They were each so impressed that they referred him to me and we got off to a fast start on my loan. The entire process from application to funding was 47 days, at a time I was getting inaction and much higher interest rates from my personal island bank of the past 30+ years. Ty and his team were incredibly responsive, including evenings and weekends to accommodate my demanding work schedule. I could not be happier with HomeConstructionLoan and Ty Kirkpatrick. They have my complete trust and genuine appreciation.”
Dr. C. Neal, Wailea, Hawaii


Colorado Spring, CO

“We are building a luxury home in Colorado and found Arroyo Consulting Group through a Google search. I was concerned they were in California, but Ty Kirkpatrick quickly impressed me with his knowledge and clarity regarding financing high-end projects. I also had the opportunity to 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”.

Dr. Kowalczyk and family, Colorado, Springs Colorado


Los Altos Hills, CA

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 and 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.
Brandon L. Homeowner, Los Altos Hills, California 


Gilroy, California

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 a lack of interest in working with us. My many calls, emails, and text messages to Mr. Kirkpatrick, with a long list of questions, were always answered live or returned promptly with accurate information. Mr. Kirkpatrick, never waivered 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 him with absolute confidence and their company to anyone needing land or home construction financing.
The Inneh Family, Santa Clara County, California


San Carlos, California

“Facing a buy or rebuild decision we turned to friends for advice who had faced the same. We quickly decided we loved our neighborhood and started planning to rebuild our home from the ground up. We had been through the mortgage process before but learned oddly that nearly every major bank had stopped offering home construction loans years ago. As we continue our search one name and company kept popping up, including from a contractor friend: Ty Kirkpatrick, one of the partners at They proved to be capable experts, delivering concierge service and a solid product. We highly recommend their consulting firm.”
The Kauffman Family, Homeowners, San Carlos CA


Thousand Oaks, California

Just completed, New Luxury Home build on a vacant lot in Thousand Oaks, CA

“My sister has been working as a mortgage loan officer with significant banks in Los Angeles and Ventura for most of her career. She recommended and Ty Kirkpatrick as an excellent source for learning about financing home construction. While we found a beautiful-view vacant lot to build our home on in Thousand Oaks, California, the thought of being under construction for 14-16 months seemed overwhelming. So, it was a bit calming to find someone so knowledgeable about construction loans. Ty and his group provided timely communication and consistent service. Long after we have moved in, Ty and his team have our complete confidence and strong recommendation.”
Kevin and Kimberly Harley, Homeowners, Thousand Oaks, California


Bell Canyon, CANew Builder, Spec Construction project for an owner builder in California

“My husband and I operate a general contracting and home building business in Southern California. We recently completed construction of a 5,200 s.f. luxury custom home using a construction loan from We worked extensively with Ty Kirkpatrick to not only did he arrange a really great rate, but their firm remained our trusted and helpful consultants through 24 months of construction. They will be our first call to finance our next project. We highly recommend them.”
Mohamad Tabatabai and Nooshin Javidi, Residential Home Builders, West Hills, California



rendering of a new Spec construction home in the "Port Street" of Newport Beach, CA 29660Newport Beach, California

“My business partner and I have been successful residential developers in Los Angeles and Orange California for more than a decade. Our average home sells for $3,000,000-$5,000,000. Our previous construction lender had done a good job financing our projects for several years but had a change of management and stopped all construction lending. As a parting gesture, our previous loan officer referred us to Ty Kirkpatrick and From the first call it was pretty clear why they recommended Ty; not only is he very knowledgeable with financing high-end home construction projects but his team partners with more than a dozen construction lenders. This means we never have to worry about a change in bank management disrupting our business again. He did such a sound job with the first two projects that we are now working on a third home and will move onto a subdivision of 4 luxury homes in Los Angeles later this year. We have righty placed our trust with Ty and his team.”
E & M Development, Newport Beach, CA

Mammoth Lakes, California

“Tenacious, forthright, and experts with financing residential construction rightly describe Ty Kirkpatrick and his team at  Our family is building a luxury 2nd home in Mammoth Lakes California and I was referred to Ty by a loan officer from a competing bank whose limited guidelines could not provide the loan we needed. I am a successful self-employed business owner with a financial profile and business model often too complex to fit most mortgage lenders. However, Ty was able to develop a thorough and unique presentation that the underwriters could understand and did approve. We were able to lock in a low interest rate for 30 years before construction even began. Ty has our trust, confidence, and full recommendation for families planning to build their dream home.”
Brett Henry, Homeowner, Manhattan Beach, CA


Pre-Demolition project near Pasadena CALa Canada, California

“It was our local Architect that referred Ty Kirkpatrick and to us. For nearly two years Ty worked with us to understand and prepare us far in advance for the construction loan process, while we worked to design our home, complete our building plans, and chose among competing builders. This entire time he remained extremely responsive to our dozens of calls, emails, and texts, often in the evening or over the weekend. Ty and his team have our complete  recommendation for anyone considering home construction.”
Brian and Starr O., Homeowners, Los Angeles County, California



Los Gatos / Los AltosThis home demonstrates how explosive the home construction leads to big jumps in value across Silicon Valley

Finding residential vacant lot in Santa Clara County and across the greater San Francisco bay area to build a home on proved to be a real challenge; and the design and permit phases can take well over full a year. So, we decided to purchase a smaller home in Los Gatos and then undertake a large-scale renovation and addition. My job involves high-level financial and organizational analysis of various tech firms across California and I brought this same skill set to evaluating various ways to finance the construction of our home. I quickly learned most major banks don’t offer home construction loans and it was then we had the good fortune to find Ty Kirkpatrick, one of the partners at I began talking with Ty in great detail 8 months before we had finished our building plans and hired a contractor. His depth of experience and level of detail in presenting various options quickly set him apart from all other contenders. We found him to be exceptionally accessible and responsive at each step in the process. And we really appreciate that his firm remains our advocates and consultants until the home is complete. I highly recommend Ty Kirkpatrick and for anyone planning a land purchase or home construction.”
Rushikesh Kulkarni, Homeowner, Los Gatos CA


Pre-demolition of a single family home in the "Hollywood Riviera" neighborhood of Los Angeles's South Bay area

Redondo Beach, CA

“We were referred to Ty Kirkpatrick and his team by our architect and homebuilder, C&C Partners. They had used Ty and when building their personal homes and those for dozens of their clients over the past 20 years. Everyone says that getting a home loan has become so much tougher, even for the well-qualified and the pandemic seems to have made it worse. Thankfully, Ty was able to put together the loan file so that we could finance the entire cost (100%) of building our new home and lock in a fixed rate for both construction and permanent phases at one loan. Our builder strongly recommends Ty Kirkpatrick and and now we do too.”
Jack and Cindy Duffy, Homeowners, Redondo Beach, CA

Los Angeles, CaliforniaNew home construction after demolition in the Beverlywood neighborhood of Los Angeles California

“I first became aware of after receiving a postcard at my home. The projects displayed caught my eye and the interest rates noted were lower than anything else I was able to find after substantial due diligence. I visited their website and found it compelling enough to call. I spoke directly with Ty Kirkpatrick, one of the partners, and challenged him to prove me wrong, “that when something sounds too good to be true it almost always is.” Other than a very slight market change, they delivered the rates advertised and the fees were extremely competitive. Additionally, Typroved himself to be a very competent, responsive, and trustworthy source of construction financing for our family’s home. I do recommend him to anyone seeking to finance home construction.”
Michael Kamras, Homeowner, Los Angeles, CA


After 90% demolition this beautiful 3,500 square foot home was completely recreatedSan Carlos, California

“Searching for an affordable family home in the San Francisco Bay Area has grown extremely competitive and difficult. To get the home we really wanted for our family meant buying a smaller, older home in a great neighborhood, tearing most of it down, and rebuilding it new. Because it is equally hard to find a solid and talented home builder not already booked a year or two out, we had to start construction quickly, before finding the best way to finance it. We never realized that starting work before the new loan was finalized would drastically limit our options. Fortunately, a top local Realtor and family friend recommended Ty Kirkpatrick, a partner at Arroyo Consulting Group and

He provided concise and specific answers to many questions that we had been asking the other bank for months and then locked in a low permanent loan interest rate as well. We greatly appreciate his Consultation-Advocate approach. Our loan funded more than a month ago and Ty continues to check-in and help us with questions about the draw process. He is always right on top of picking up his phone when we call and answering emails promptly. We recommend Ty Kirkpatrick as a reliable expert to anyone considering home construction.”
Jon and Jaime Ackerhalt, Homeowners, San Carlos California


Beverly Hills, California

“As a seasoned Real Estate professional I am well aware of the market so when it came time for my family and I to move into another home or completely remodel the one in which we were currently living, we chose to remodel.  I found David Sutherland and through a sign that he had posted on one of his other client projects and I am so glad I did.  David patiently worked with us for over a year while the whole process came together.  Our project was quite large and involved and obtaining a construction loan of that size was not an easy task.  David’s knowledge of the overall construction financing process made everything that much easier.  In fact, even though we initially received a low appraisal David was able to negotiate a higher value for us through the lender.  I cannot recommend him and his firm enough!”
Dan Weiser, Director, Estates Division THE AGENCY


Malibu, California

“I originally found David through a referral and I am very glad that I did.  I was sitting on an entitled lot in Malibu with amazing views and wasn’t sure if I was going to build it for myself or take advantage of the current market and develop it.  David showed himself to be very knowledgeable of the construction lending market and after we finally made the decision to in fact develop it he knew just where to go.  I wound up taking on some partners and David’s insight as to how to handle that while at the same time getting us to the finish line was perfect!  If you need a construction loan, he’s your guy.”
Neil Willner, Real Estate Investor


Newport Beach, California

“We were referred to Ty Kirkpatrick and by our homebuilder, Joe Lippnik. Joe has built homes in Newport Beach for 30 years and recommended him for years. He felt Ty’s expertise would be extremely helpful given that our house was already so far into construction. In fact, the house was over 50% done and moving fast when we started the loan process.

We didn’t understand how financing mid-construction complicated the loan process and approval. Thankfully, Ty has helped hundreds of other clients with similar obstacles. While the process was long and documentation-heavy, he guided us each step of the way and did an excellent job of maintaining communication. At the very tail-end of the processing, he arranged for a Courtesy Draw that was extremely helpful in getting subcontractors paid and referred a fantastic insurance agent that saved us over $2,000. Ty is connected, an expert at what he does, and we endorse him for anyone building their dream home.”
The Rolapp Family, Newport Beach, CA

Single Family Home Pre-DemoHidden Hills, CA

“I can wholeheartedly recommend David’s services.  I literally found him by searching construction loans online and can confirm it was such a good decision to bring him into our loan process.  The service, availability, and attention to detail were excellent and so helpful through such a big project.  I had talked to a few banks directly and am so impressed with how much better of a loan he was able to help us secure. “
Tyler Bacon, Hidden Hills


Palo Alto, CA

“For more than a year my wife and I have been dreaming of and planning for our home’s demolition and the new construction in Palo Alto, California. While we had researched financing the project with a construction loan, it was our general contractor that recommended Ty Kirkpatrick at Arroyo Consulting Group. We asked him “why Ty?”  And he responded that “I have been a custom home builder for 30 years and know the real deal when I find it”. From the beginning to the end and even after our loan funded, we have counted on his prompt and detailed responses at every turn. And 9 times out of 10 he answers his direct phone live, knowing how most people loathe leaving long voice mails and awaiting a callback. Amazingly, we locked in an interest rate of 2.875% for a jumbo loan. We enthusiastically recommend Ty Kirkpatrick and without reservation.”
Greg and Emily, Homeowners, Palo Alto, California.

Los Angeles, CAThe construction project in Los Angeles is an 11,000 sf luxury SPEC home

“I have been a real estate developer in California and Florida for more than 20 years. During the past 6 years, I have counted on Ty Kirkpatrick to arrange the most competitive and timely financing available for me. From financing, the construction of a few $20 million+ speculative homes to building my own family home and multiple refinances, he has proven time and again to be focused on my best interests. Honest, hardworking, and readily available describe him well. I recommend him without reservation.”
David Herskowitz, General Contractor, and Real Estate Developer


The SPEC Investor project in Mill Valley California is built on a steep hillside vacant lot
Mill Valley, California 

My group manages and participates in several real estate investments in the San Francisco Bay Area and needed to take back a home we had lent on. The home was in very poor condition, so to maximize our return on the investment we chose to build and sell a new luxury home in Mill Valley California, rather than liquidate the existing property at a discount. I have been very active in real estate and finance for over 35 years but sought out deeper experience for our construction financing needs.

Fortunately, a local home builder referred to Ty Kirkpatrick, a partner at Arroyo Consulting Group and He was key to delivering an affordable construction loan sufficient to fund our entire project, including a built-in interest reserve,  contingency, all the closing costs; and also refunded some equity at the inception of the construction. Ty was professional, organized, and highly responsive throughout the entire process. I greatly appreciate that his consulting firm doesn’t just put the loan in place, but remains engaged and active until the home is completed (about 15-18 months on this one). I will certainly pass his name along to anyone seeking to finance residential construction.
Mark Engleman, President for BayMark Financial, San Mateo, California

Livermore, CA

“I make my living in Silicon Valley. I appreciate working with someone who can provide me clear facts and quick turnarounds. However, arranging a construction loan for our family’s new home in Livermore, California presented several challenges that many banks could not understand or accommodate. Ty Kirkpatrick at quickly set himself apart by not just providing accurate information from the very beginning but was instrumental in landing key underwriting exceptions and the lowest interest rate/highest loan amount combination possible. The Singlefund construction-to-permanent loan we closed on came in at a rate under 3%, amazing. We also appreciate his consultant nature and that he remains our advocate throughout the entire construction term. We endorse Ty Kirkpatrick for anyone thinking about building a home or doing a major remodel and financing the construction.”
The Pedersen Family, Homeowners, Livermore, California

The new beach home was built after a small cottage was torn dow on Balboa Island, CA nNewport Beach, CA

“I have been a successful real estate investor, developer, and Realtor in Newport Beach and Orange County for nearly 20 years. Recently we demolished and began construct1on of two fully custom homes on Balboa Island. The properties are side by side, but required two different types of financing; one an Owner- Occupied Single-Close construction loan and the other as an Investor Spec construction loan. I wanted to avoid some of the headaches of paperwork duplication and streamline the process by using a single, well-qualified source. Ty Kirkpatrick came highly recommended and did not disappoint. He delivered two extremely competitive loans, maximum leverage, competitive interest rates and he remains a valued consultant throughout the construction phase. My team recommends him without reservation.”
Robert Montgomery, Real Estate Developer, Arbor Real Estate, Newport Beach, CA


Glendale, CA

Originally demolished by a fire, this modern homes site on nearly a 1/2acre in Glendale CA “Deciding to work with Ty was one of the best decisions we could make for the future of our family, this was because we were putting our life savings on the line for this project. He guided us every step of the way, providing industry insight and confidence in our project. Getting a home construction loan was a new experience for us and Ty answered all of our questions, which were more than you can imagine! He helped finance the purchase of our vacant lot which was only vacant due to a fire that destroyed the previous home and stayed with us all the way through the construction project.

He was direct and didn’t sugarcoat anything which allowed us to accurately prepare for every step of the process. We are almost done with construction and he is still checking in to make sure everything is running smoothly. I highly recommend working with Ty to receive a home construction loan.”
Nicholas & Jessica Comorre, Homeowners – Glendale, CA


Beverly Hills, CAThe Beverly Hills Mansion started out as a very steep hillside vacant lot

“For nearly 20 years we have counted on Ty Kirkpatrick and David Sutherland to help dozens of our over 300 home building clients through the construction financing process. They were instrumental in providing financing for this ultra-modern, high-end speculative/investor project in Beverly Hills with just over 10,000 square feet of living space. We have seen several clients turned away or frustrated by national-branded banks that were successfully financed by and Arroyo Consulting Group.

Not only do they have several competitive funding sources, but they have often provided Single Close loans that allowed our clients to lock-in the permanent mortgage before we even started building their homes. Beyond helping our clients, we counted on them when we needed construction financing for our own family homes in Redondo Beach and Los Angeles. We highly recommend them to anyone contemplating home construction.”
Michael Cunningham, General Contractor, C&C Partners – Redondo Beach, CA


San Francisco, CA
Sitting on the Russian Hills area of San Francisco it has a view of the Golden Gate Bridge
Building on the two lots we own in the city has been a dream of ours for years, but figuring out exactly how to do it kept holding us back. David was, without a doubt, the missing piece to our puzzle. His knowledge of the market and incredible patience with us as we worked through the process…were so incredibly helpful. We closed on the loan and are breaking ground on the first phase, thank you for all of your expertise David!”
Julia Campbell, Homeowner – San Francisco, CA


Encino, CA

This spectacular Encino California homes boast not just a great pool, but amazing view of the valley below“As a seasoned developer, having been through the market downturn and now experiencing its revival, there weren’t many options available for SPEC financing. We build custom high-end homes and the need to leverage our dollar and expand into multiple projects was a must. David Sutherland of and Arroyo Consulting Group was exactly what we were looking for.

David and his firm had access to multiple SPEC lenders allowing us to grow and strike while the market was still hot. We found him to be extremely knowledgeable, professional, and, most importantly, very responsive…could not recommend anyone or business for that matter more highly!”
Gil Charash, Builder/Developer –  Los Angeles, CA  President, AMG Group



Dana Point, CA

Built in the Headlands development of Dana Point, CA, this home has an amazing ocean view, Ty Kirkpatrick and came highly recommended by my long-time Private Banker at Wells Fargo. They had worked together in the past and I understand several loan officers at Wells Fargo refer their construction clients to Ty because of his 20+ year history as a construction specialist.

Because I have my hand in several complex business entities that are continually evolving, underwriting and approving my loan requests can be extremely challenging. While the paperwork-heavy and the process lengthy, Ty successfully guided me through the process, presented my file in its most favorable light, and achieve a creative and attractive solution.”

“Not only did he help me through the financing and approval process, but he remained my valued consultant throughout nearly two full years of construction. My gorgeous new home is now complete and I wake up every morning to breathtaking views of the Pacific Ocean. I can say without a doubt that Arroyo Consulting Group and the financing solutions they provided plans a most critical role. Arroyo Consulting Group, specifically Ty Kirkpatrick and David Sutherland have my respect, full support and I recommend them without reservation.”
Ricardo Salas, Homeowner – Dana Point, CA

Studio City, CA

This is one of two side by side spec homes built by Avi Perez, Studio City, CA“I just finished selling two SPEC homes in Studio City, California for over $6 million where Ty D. Kirkpatrick and Arroyo Consulting Group provided the financing. They were able to pull off something I haven’t found previously, which is to provide a single loan for the lot acquisition/lot split and construction funding in one process.

In the last project, we completed prior to using Arroyo Consulting Group I had to pay an 11% interest rate and 3 points for JUST the acquisition loan. I had to then turn around and get a whole new loan to build the houses. We are now working on a new project in Sherman Oaks where Arroyo Consulting Group is once again providing Lot Acquisition and Construction financing, on a residential SPEC development project, with one loan . . . and at a rate under 6%.”

“Their dedication to construction-specific financing saves us considerable time and aggravation so that we can concentrate on just building and selling fine custom homes. The fact that they are doing it with one loan and a much lower rate saves us well over $50,000 in interest and finance charges. Most of all I like that I can reach after 5 pm and on the weekend when necessary. We have not found their level of expertise and true service anywhere else. We highly recommend Ty Kirkpatrick and David Sutherland.”
Avi Peretz, General Contractor – Studio City, CA


Beverly Hills, CAThis $30 million home started out as a 1950's ranch style home before full demolition and rebuilding 15,000 sqaure feet of new ultra-luxury home for a famous NBA player

“A few years back I was fortunate to find Ty D. Kirkpatrick online. His firm, Arroyo Consulting Group has now arranged SPEC Builder/ Home Development loans for three separate projects of mine in the past 2 years, totaling over $15 million. The luxury homes I design, build and sell typically exceed 10,000 square feet of living area and take two years to build.

My projects have clearly benefited from Ty Kirkpatrick’s wealth of construction-specific knowledge and long track record of success in Southern California. Ty has repeatedly leveraged his deep banking relationships to my clearly tangible benefit; providing the aggressive and flexible terms I require. His ability to switch lending sources in order to broaden the options recently helped me secure a $4.9 million development loan. Whether it is for a developer like myself, or a homeowner hiring a builder to construct their dream home, I enthusiastically recommend Ty and Arroyo Consulting Group. Inc.”
David Herskowitz, David Herskowitz Construction – Pacific Palisades, CA

Manhattan Beach, CA

“Wow, what a process. I don’t even know where to begin. We found Arroyo Consulting Group and  through a Google search for Home Construction Loans in Los Angeles. Amazingly we landed with an expert that has funded over a dozen construction loans in Manhattan Beach, a city of just over 35,000 people. Ty and David helped us each step of the way to successfully navigate past one ridiculously low appraisal and the underwriter’s odd focus on Contingent Liabilities. There was a difference in valuation of nearly 30% and Manhattan Beach, CAwhile it took some time he eventually conquered it. He actually saw to it that the lower of two appraisal reports were thrown out.”

“We just started construction last week and I am fairly certain that without Ty and David we would have either not got the loan approved or would have paid several tens of thousands of dollars for the financing. Amazingly, the loan is a 30-year loan, fixed for the first 10 years at 2.5%. Did we benefit from working with Ty and David?

Not only was his expertise with construction lending essential, but the next best option for financing construction was a 7-year loan at 3.75%. That is a huge amount of money. Did I mention the loan he arranged was based on the Future Value, rather than the Cost of Construction? This alone kept us from needing to rob our retirement account of a few extra hundred thousand dollars out of pocket? Our trust and confidence very well placed with Ty Kirkpatrick and his partner David Sutherland.”
Steve & Jill Tallman, Homeowners – Manhattan Beach, CA

Pacific Palisades, CA

Pre-Demolition stage of new custom home construction loan in Pacific Palisades, California Designed by robert gardinier jr.“As a successful attorney, I earn my living through conducting in-depth research, accurately reading people, and then making well-information choices on complex situations. Because of his long-established expertise with construction lending Ty Kirkpatrick, David Sutherland, and Arroyo Consulting Group were referred to me by my extremely capable mortgage broker of many years. After our first few minutes on the phone it was very clear construction lending can be complicated, is a true niche and I was talking with an expert.”

“I am extremely busy with work and family, and no time for miscues, mistakes or wasting time. I greatly appreciated their ability to take a complex subject and present me with the facts needed to compare, contrast and clearly make the best decision. I was able to lock-in a 30-year loan, fixed for the first 10 years at an incredible 2.5% interest rate that combined both the construction and permanent financing into a single loan. I am still amazed and highly recommend them to anyone contemplating building their Dream Home either on vacant land or in my case, by completing demolishing and rebuilding new.”
Stephanie Yonekura, Homeowner – Pacific Palisades, CA

Irvine/Shady Canyon, CA

A home construction loan made this Irvine, CA Shady Canyon home possible“I first came across the gentlemen at Arroyo Consulting Group through one of my private bankers at Union Bank.  I had been with Union for years and trusted the referral, and I am glad that I did.

David made everything incredibly easy for me/us, and even though I am in the financial industry myself… lending was new to me, but David made the entire process seamless.  During the process, we had a life-changing event and the project was temporarily put on hold.  David talked me through my options, and in the end, we moved forward and I am glad that we did.

We now have a beautiful home that my family enjoys every day.  We were very fortunate to have a great builder, and even more so to have a great team like David and Ty to take us through the financing and completion of our home.  It is my pleasure to recommend both David Sutherland and Ty Kirkpatrick along with their company for anyone thinking of building their dream home.”
John Hindman, Homeowner – Irvine/Shady Canyon, CA

Rancho Palos Verdes, CA

Financing SPEC construction loan made this Rancho Palos Verdes, CA home possible“Over a year and a half ago my business partners and I purchased one of the last few sizable pieces of vacant land in Rancho Palos Verdes. We will be building a 5,000+ square foot home for resale upon completion.

Despite having no previously developed real estate, Ty Kirkpatrick and Arroyo Consulting Group were able to help us secure a $2 million SPEC development loan at very competitive terms. As you can imagine, my partners and I learned a great deal about the financing along the way and are thankful Ty and David Sutherland were continually available to answer our many questions.

Not knowing what to expect or what was customary, we were a little concerned when the process seemed lengthy, but were pleasantly reassured when a Private Banker we do other business at First Republic Bank independently and without solicitation confirmed Ty was indeed the expert and the loan terms were extremely competitive. We look forward to finishing our project and turning an attractive profit. We recommend Ty Kirkpatrick and his partner David Sutherland for construction lending.”
Justin Reese, Mark Muzaffar & Josh Herbst, Investors – Rancho Palos Verdes, CA

Pacific Palisades, CA

“My wife and I could not be happier with Arroyo Consulting Group. Ty Kirkpatrick and David Sutherland really went the extra mile in arranging to finance for our very challenging project. We own a beautiful multi-million dollar residential property with a great ocean view in a prime area of the Pacific Palisades. The development started with purchasing a complex, steep hillside vacant lot a few years back and self-funding a great deal of the project for nearly two years. We thought to build equity through self-funding was the right course of action and that lenders would look favorably on the increased equity when we were ready to work with a bank.”New single-family house built in Malibu, CA 90265 that started as a bare foundation

“After searching several months for financing it was clear that no one wanted to lend on a project under construction. I spoke with over a dozen major banks and was repeatedly told that “we don’t lend on a property once the work has begun, particularly one nearly 80% complete”. One of the last few banks I spoke with referred me to Ty and David as “construction loan specialists” who had assisted other clients their bank turned away.

From the start, Ty strived to find the best financing fit and was relentless to get it done. And he did. We are now very close to completion and cannot wait to have a nice glass of wine in our balcony overlooking the ocean. We are truly grateful to Arroyo Consulting Group and”
Marcelo & Angela Telles, Homeowners – Pacific Palisades, CA

Rendering of new luxury home completed right along the Coast Highway Malibu CA Pacific Palisades, CA

My wife and I had been looking for a construction loan for a while when we came across David and Home Construction through their website.  Until then we were trying very painfully to get a loan through a traditional lender.

We had some complicated income issues as I was self-employed, but David stayed with us and was able to get us the right loan and we finished our dream home.   I admit I was skeptical at first….finding a loan through the internet?  David worked very hard for us and he delivered……my wife and I trust he and Ty implicitly…..thank you, guys!
Alex Protasevich, Homeowner/Architect – Pacific Palisades, CA

Dana Point, CA

Mid-construction project overlooking the Pacific Ocean in Dan Point, CA “I have been in Real Estate my entire career, but when it came to obtaining a construction loan for my family’s home in Dana Point it proved more difficult than I imagined. David was there at every turn to help me through the process, and even though I had already started construction and changed builders he was able to obtain financing. I have come to trust David implicitly and am glad I found him!”
Todd Parriott, Homeowner – Dana Point, CA

Los Angeles, CA

“After checking with many banking and mortgage sources across Los Angeles and California, we were referred to Ty D. Kirkpatrick and Arroyo Consulting Group as being experts with construction lending. Our local mortgage banker had referred other clients to Ty for many This Santa Monica property includes a full basement and roof deck in Santa Monica CA years with great results and felt they would be a good fit for financing construction of our custom home.”

“It has been clear from our initial discussion that Ty and David Sutherland bring a wealth of knowledge and long track record within the home construction-financing niche, something we just couldn’t find anywhere else.

Our project has been rather unique because it was well under construction before we even started the financing process; we had spent well over $100,000 on-site grading, excavated a huge amount of dirt and were well into building the foundation. We didn’t understand that the vast majority of lenders won’t touch a project already under construction out of fear of mechanics  liens and being turned down for title insurance coverage.”

“With our project continually under construction, while the loan was being processed, it did add to the time and paperwork involved. However, Ty and David did an excellent job of keeping us apprised of the progress and status of our loan application.  He was able to lock in a single low rate for both the construction and permanent phases with just one loan. He has been highly responsive to our questions and requests, often available during weekend and evening hours. I highly recommend Ty and David to anyone undertaking home construction.”
L. Shur, New Construction After Complete Demolition – Los Angeles, CA

Mulholland Highway, Los Angeles, CA

The futuristic "clamshell" home is being constructed right under the Hollywood sign in Los Angeles CA “My husband and I are Foreign Nationals investing in real estate here in the U.S. We had no idea just how difficult it was going to be to get a construction loan just because we were not citizens. David never gave up and finally, we now have closed on our loan and ready to start the build. David is the only one we will go to for construction financing.”
Nina & Andreas Grueter, Homeowners/Developers – Mulholland Highway, Los Angeles, CA

Encino, CA

“My jumbo construction loan to build my family’s dream home had been pulled by my lender, as they, like many lenders, had closed down their construction loan department.  For 18 months, I searched for replacement financing and was repeatedly told by a multitude of loan brokers that the construction loan I needed did not exist in the current highly constricted lending market.  I was advised to either abandon the project at a huge loss or seek a “hard money” loan, for which the high-interest rates and points I was quoted were completely unaffordable.”

In the Mandeville Canyon are of Los Angeles, this home is traditional Spanish architecture. “After a significant internet search, wasting a good amount of time on bogus offerings, I found We were immediately impressed with their ability to ask the right questions about my construction project and to ferret out the relevant financial information and circumstances. There one receive within hours of our conversation a one-page “Loan Estimator” was stunningly simple, setting forth in plain English the relevant project and financial information I had provided and the estimated loan terms based thereon, even including an estimate of the cash up-front that would be required.”

“I called a buddy, who was a loan broker for one of the many lenders that turned me down, and he had a good laugh about the loan estimate I received. He told me to call him when the loan funded, as that day would never come.  After Ty D. Kirkpatrick help get my loan funded I called my buddy and he did laugh; except it was the nervous laughter of someone who knew that his competitor could make good on loan terms that his lender could not come close to match. Sometimes when something seems too good to be true, it really is true!”
The Simon Family, New Construction After Complete Demolition – Encino, CA

Thousand Oaks, CA

This home sits on a sweeping development in the Santa Rosa Highland near Thousand Oaks, CA“HCL first began by working hard to understand the many facets of our project.  This led to a thorough and insightful review of our construction plans, budget, and construction contract. Lastly, before recommending just the right financing, they helped with completing a detailed background check of our builder. With the substantial amount of money, we invested, knowing we had found not just a great home construction loan, but also a sound builder helped us focus more of the finer details of our project.”
Jim & Cindy H., New Construction on Vacant Land – Thousand Oaks, CA

Rancho Palos Verdes, CA

This home was built by CC Partners in Rancho Palos Verdes for a concrete contractor. “I have been a concrete contractor for several years, working on dozens of luxury hillside homes. When it came to building my own home, I relied on the consultants at Home Construction to help arranged very attractive financing. They simplified the loan and draw process.  The friendly construction draw process we used, and still use on other projects, helps keep our projects moving on time and on budget.”
La Greca Family, New Construction on Vacant Land – Rancho Palos Verdes, CA

Pacific Palisades, CA

Pacific PalisadesMy clients and I have worked with the staff at Home Construction for nearly 10 years. In December I completed the construction of my own home in Pacific Palisades, California. I can say without any doubt they recommended the very best construction-to-permanent loan in America. They were informative, accurate and efficient throughout the entire process. I continue to recommend them to other clients and contractors on a regular basis. Last week I referred them to my very exacting CPA for the financing of his own.”
The Petersons, New Construction & Complete Demolition – Pacific Palisades, CA


San Diego, CA

San Diego, CA“My home was under construction when I began looking for financing. I quickly found banks and mortgage lenders were not open to projects already started. I talked with dozens of lenders before I found Home Construction through a friend of a friend. They were able to find $2,100,000 in financing at a rate under 5%.  The icing on the cake was that it came with permanent financing at no additional cost. They continue to have my sincerest recommendation.”
Susan Brown, New Construction on Vacant Land – San Diego, CA




Palos Verdes, CAPalos Verdes, Ca
I’ll be very brief, but very clear, the consulting group at did what they said they would, did it on time and at the cost they initially indicated. My family couldn’t be happier with a gorgeous home overlooking the Pacific Ocean.”
Dr. W., New Construction on Vacant Land – Palos Verdes, CA


La Canada, CA

La Canada“I first reached out to ACG/HCL after receiving one of their mailings.  Since I had already begun the initial phase of construction I put off calling due to all that was going on.  When I finally reached out to David, I found him to be very professional and extremely knowledgeable in home construction.

I received a rate that was well below my expectations but more than that, they were able to close on my project financing in 29 days!  I set the bar pretty high for these guys and they delivered, now I am thrilled to be moving into our new home this month.” I do wish I would have reached out to them even sooner because I feel it would have saved me more money overall.
J. Wurm, Homeowner – La Canada, CA