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ARE YOU IN NEED OF A

Construction Loan or Bridge Loan in Wilkesboro, NC?

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

ALFIE is your spec loan financing specialist in Wilkesboro, 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
Use the ALFIE Cost Calculator
This worksheet assumes a 9-month construction period with 7 equal monthly draws and a 2 month hold period with the full loan amount drawn.

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.

The old courthouse in Wilkesboro, NC

Wilkesboro, NC Real Estate Investments

Wilkesboro, NC, nestled in the scenic foothills of the Blue Ridge Mountains, embodies a quintessential Southern charm with its rich history and vibrant community spirit. Originally settled in the late 1700s, the town boasts a heritage deeply rooted in agriculture and manufacturing, shaping its character and economy over the centuries. Today, Wilkesboro maintains its small-town allure while offering modern amenities and conveniences. Its downtown area features historic architecture, local boutiques, and cozy eateries, creating a welcoming atmosphere for residents and visitors alike. The town is renowned for its annual MerleFest, a prominent music festival celebrating Americana, bluegrass, and folk genres, drawing music enthusiasts from far and wide.

Investing in real estate in Wilkesboro, NC, presents a compelling opportunity for several reasons. The town’s affordable housing market compared to larger urban centers makes it an attractive option for first-time homebuyers and investors looking to diversify their portfolio. Wilkesboro’s strategic location along major transportation routes, including Highways 421 and 268, enhances its accessibility and connectivity, supporting economic growth and property value stability. Additionally, the town’s strong sense of community and quality of life appeal to retirees seeking a tranquil yet active lifestyle in a picturesque setting. With its blend of historical charm, cultural events, and affordable living, Wilkesboro represents a promising investment opportunity in North Carolina’s foothills region.

Are you looking to invest in Wilkesboro, 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 Wilkesboro, Together

ALFIE is a locally owned and operated financing provider that believes in the growth of Wilkesboro, NC, which presents a compelling case for real estate investment due to several key factor. The town’s affordable housing market compared to larger metropolitan areas makes it an appealing option for investors seeking relatively lower entry costs and potential for attractive returns. This affordability not only attracts first-time homebuyers but also fosters a steady demand for rental properties, providing opportunities for consistent rental income.

Wilkesboro’s strategic location in the foothills of the Blue Ridge Mountains offers a unique blend of natural beauty and accessibility. Situated along major transportation routes like Highways 421 and 268, the town enjoys convenient connectivity to larger cities such as Winston-Salem and Charlotte, enhancing its appeal for commuters and businesses alike. This accessibility contributes to a stable economic environment, bolstered by a diverse mix of industries including manufacturing, agriculture, and healthcare.

Furthermore, Wilkesboro’s strong community spirit and rich cultural heritage, exemplified by events like the annual MerleFest, contribute to its vibrant local economy and overall quality of life. Such factors not only attract residents seeking a close-knit community atmosphere but also support a resilient real estate market poised for long-term growth. Whether investors are interested in residential development, commercial properties, or rental housing, Wilkesboro offers a promising investment landscape rooted in affordability, strategic location, and community vibrancy.

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.