Why Construction Loan Interest Rates Are Higher and How to Plan Around Them
Construction loan rates averaged 7.5%–9.5% in mid-2025 — up to 3 points above a standard mortgage. Here's why lenders charge more and how to plan your budget around it.
Marcus Delgado
Marcus Delgado is a certified mortgage advisor and personal finance journalist with 15 years of experience tracking interest rate trends and housing market dynamics across the United States. He spent nearly a decade as a loan officer before transitioning to financial writing, giving him a ground-level perspective on how rate shifts impact real borrowers. Marcus covers mortgage rates and interest rate analysis for CapitalLendingNews with a focus on clarity and practical guidance.
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