ALFIE is your spec loan financing specialist in Lincolnton, 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.

Lincolnton, NC Real Estate Investments
Lincolnton, NC, nestled in the picturesque foothills of the Appalachian Mountains, is not just a place to live but a thriving community ripe with opportunities. As one of North Carolina’s hidden gems, it offers a perfect blend of small-town charm and modern amenities. The city’s population has been steadily growing, reflecting its appeal to families and individuals seeking a peaceful yet vibrant environment. In recent years, Lincolnton has experienced a population increase of over 10%, underscoring its allure as a desirable residential destination. This growth is supported by a robust local economy bolstered by diverse industries including manufacturing, healthcare, and technology, providing ample employment opportunities and ensuring a stable economic foundation for residents.
Investing in real estate in Lincolnton is not just a wise decision but a promising one. The city’s real estate market has shown resilience and growth, with property values appreciating steadily. Whether you’re considering building a spec home or looking to expand your investment portfolio with a new long-term rental, Lincolnton offers affordable housing options compared to larger urban centers nearby. The median home price remains competitive, making it an attractive prospect for first-time homebuyers and seasoned investors alike. Moreover, with ongoing developments in infrastructure and amenities, such as parks, schools, and recreational facilities, the quality of life in Lincolnton continues to improve, further enhancing the appeal of the area for potential residents and investors alike. With its welcoming community spirit and promising economic outlook, Lincolnton stands as a prime example of a town where living and investing converge harmoniously.
Are you looking to invest in Lincolnton, 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 Lincolnton, Together
ALFIE is a locally owned and operated financing provider that believes in the growth of Lincolnton, NC. Investing in real estate in Lincolnton, NC, through building a spec home or undertaking a fix-and-flip project presents a compelling opportunity for several reasons. Firstly, the city’s growing population and stable economy provide a solid foundation for real estate ventures. With a population increase of over 10% in recent years, there is a growing demand for housing, making new construction and renovated properties highly sought after.
Secondly, Lincolnton’s real estate market offers favorable conditions for investors. Property prices are relatively affordable compared to larger urban areas nearby, allowing for potentially higher returns on investment. Whether you’re building a spec home tailored to the needs of modern families or revitalizing an existing property for resale, the market supports a range of projects aimed at meeting diverse housing preferences.
Additionally, the community’s commitment to enhancing quality of life through ongoing developments in infrastructure and amenities adds further value to real estate investments. Parks, schools, and recreational facilities continue to be improved, making Lincolnton an increasingly attractive place to live. As such, investing in real estate through building a spec home or fix-and-flip projects not only taps into current demand but also positions investors to capitalize on future growth and appreciation in this vibrant and evolving market.
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.