Construction Loan Lenders in Tacoma, WA

Building inside Tacoma city limits

Inside the city, the City of Tacoma Planning and Development Services permits a new single-family home as a Residential New Construction permit (BLDRN). The city's residential permit page says that permit includes plumbing, mechanical, and site-development review, and that a separate site-development submittal is not required for a typical BLDRN house. Grading, paving, or cut and fill of more than 50 cubic yards on private property does need a separate Site Development permit. The city's new-home page also requires energy code worksheets for detached one- and two-family dwellings. Plan that review into the construction-loan timeline.

Small lots

Tacoma's new single-family page points to a small-lot tip sheet: if the lot does not meet the minimum standard, yard and setback requirements can differ from the usual residential districts. Confirm the parcel's zoning before the construction budget is treated as final.

Building in unincorporated Pierce County

Outside city limits, Pierce County permits the work. The county requires a Level 1 pre-application screening when a parcel has critical-area indicators or special site restrictions, and when it is served by an on-site septic system or a private well.

Pierce County's land-division checklist, which is a subdivision submittal and not the single-house building permit, says a geotechnical assessment may be required in a landslide or erosion hazard area, usually when slopes exceed 15 percent, and a flood study may be required for development in FEMA flood zones A or B and in potholes shown on FEMA maps. Check the parcel on the FEMA Flood Map Service Center before you close on land.