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ARE YOU IN NEED OF A

Construction Loan or Bridge Loan in Jefferson, NC?

ALFIE works with Contractors, Spec-Home Builders, and Real Estate Investors in Jefferson, NC to provide specialized financing options to help your project succeed.

Alfie is your spec loan financing specialist in Jefferson, NC.


We offer common sense financing packages forcontractors and real estate investors. Our loans are offered at a fixed rate of 12% for a term of 12 months with a 2% origination fee. Our average borrow’s cost of capital is between 7-8% of project cost.

These loans are specifically for spec-home builders, investors, and developers who need financing for projects. Alfie does not provide construction financing for owner-occupied residences.


  • No tax return is required
  • The process is simple and fast
  • Only pay interest on the money drawn
  • Up to 100% Financing is available, including soft costs

Get Started Today

Fill out the form below and one of our loan originators will contact you quickly to answer any questions about your project and our loan programs.

Aerial View of Jefferson, NC

Jefferson, NC Real Estate Investments

Jefferson, North Carolina, nestled in the scenic Appalachian Mountains, has emerged as a prime destination for real estate investment and home construction. Its idyllic setting, characterized by lush greenery, panoramic mountain views, and a tranquil atmosphere, captivates both residents and visitors alike. The city’s strategic location, offering a perfect balance between serene rural living and convenient access to urban amenities, adds to its allure. With a burgeoning economy and a steady influx of tourists drawn to its natural beauty and outdoor recreational opportunities, Jefferson presents a promising landscape for real estate ventures.

Investors seeking to capitalize on Jefferson’s appeal find ample opportunities in spec-homes, rehab projects, and new construction projects. The demand for modern, yet harmonious architectural designs that complement the natural surroundings is on the rise. Additionally, the city’s commitment to sustainable development practices resonates with environmentally conscious homebuyers, further fueling the demand for eco-friendly residences. Furthermore, Jefferson’s strong sense of community, excellent schools, and diverse cultural offerings contribute to its reputation as a desirable place to live, attracting individuals and families eager to call this picturesque locale home. As such, Jefferson, NC, stands as a beacon for those looking to invest in real estate and participate in the thriving home construction industry.

Are you looking to invest in Jefferson, NC? Let the Real Estate experts at ALFIE help you get the financing you need for your next project.

We are not bankers.

We’re Real Estate People

We provide simple spec home financing and a common sense approach that allows for fast closings and fast construction draws.

Let’s Invest In Jefferson, Together

ALFIE is a locally owned and operated financing provider that believes in the growth of Jefferson, NC. In recent years, Jefferson, North Carolina, has experienced notable growth in both its real estate market and population. According to data from the U.S. Census Bureau, the population of Jefferson has been steadily increasing, with a growth rate of approximately 3% per year over the past decade. This influx of residents reflects the city’s growing popularity as a desirable place to live, work, and retire.

In tandem with population growth, the real estate market in Jefferson has seen significant activity. Median home prices have appreciated steadily, with a year-over-year increase averaging around 5% to 7%. This upward trend signals a healthy and robust housing market, making Jefferson an attractive destination for real estate investors seeking appreciation potential.

Moreover, the demand for housing in Jefferson continues to outpace supply, driving new construction projects and spurring development in both residential and commercial sectors. Vacancy rates remain low, indicating strong demand for rental properties as well. These statistics underscore Jefferson’s status as a dynamic and thriving community, poised for continued growth and prosperity in the real estate sector.

Understand The Process

1. Apply

Complete the CONTACT US/APPLY NOW form shown above. Or call us at (828)776-8632 to connect with a loan originator.

2. Due Dilligence & Underwriting

An ALFIE loan originator will guide you through the process of providing all the details we need. Our team will answer your questions about our loan programs.

3. Loan Commitment

Once all your paperwork is complete, we move quickly. It typically only takes 3 weeks to go from Application to Closing.

4. Closing

Just a few signatures and you’re ready to get to work doing what you do best.

5. Construction Draws

Draws a painless and fast. And you only pay interest on the money that is drawn.

6. Loan Payoff

ALFIE loans are often paid off in less than 9 months. And we’ll be here when you’re ready to do it all again.