Find construction financing here for a residential lot purchase, a single-close loan or a fixed-rate conversion. Arizona Financial's construction loans can help you complete the renovation of your dreams no matter how big or small your project may be.Let's build your Arizona dream home together. Most loan officers with the banks, require owner-builders to submit an itemized estimate in order to secure a construction loan. Know your project's upfront fees (if any) and get an estimate for your project's permitting cost. Know your project's lot coverage. However, temporary, construction or bridge financing with a term of 2 years or less may be taken out with a program loan. Step 1: Written Request for Petition. The process to create County Improvement Districts (CID) is a resident driven petition process. Upload your documents.