Build from the ground up. Texas construction loans for custom homes, spec builds, and investor projects. Interest-only during construction. One-time close options for owner-occupied builds.
Built for builders, investors, and homeowners creating something new.
Individuals building their dream custom home on owned or newly purchased land in Texas.
Experienced builders constructing homes for resale without a buyer pre-committed. Build on market demand.
Investors constructing new rental properties from the ground up for long-term portfolio income.
Licensed general contractors building residential projects who need construction financing for their projects.
Property owners with buildable lots who are ready to construct a new home or investment property.
Developer teams building small subdivisions or multi-unit projects that require phased construction financing.
Building from the ground up requires a lender who understands construction timelines, draw schedules, and contractor management. We've funded projects across every Texas market. Run scenarios in our mortgage calculator.
Finance the full construction of a new home or building from foundation to finish. Cover land acquisition, hard costs, soft costs, and contingency reserves in one loan.
Pay only interest on funds drawn during the construction phase. No principal payments until the build is complete, keeping your costs predictable during construction.
Construction-to-permanent (single-close) programs combine construction financing and the permanent mortgage into one loan with one closing, saving time and fees.
Finance custom owner-occupied homes, spec builds for sale, and investor-built rental properties. Multiple exit strategies supported.
Pay interest only on funds drawn during construction. No principal payments until your project is complete, keeping carrying costs predictable.
Lock your permanent rate before you break ground. One closing, one set of fees, no refinance risk at completion.
Inspected draw disbursements keep your project on budget and on schedule. Transparent process for you and your contractor.
From blueprints to move-in day.
Submit your blueprints, cost breakdown, contractor information, and project timeline. We analyze feasibility and provide a term sheet within 48 hours.
Appraisal ordered on projected completed value. Underwriting reviews project, contractor, and borrower qualifications. Close and break ground.
Build progresses through milestones. Third-party inspections trigger draw disbursements. Interest-only payments on drawn funds keep costs low.
Certificate of occupancy issued. Single-close loans automatically convert to permanent mortgage. Two-close loans refinance into permanent financing.
Compare construction loan structures for your Texas project.
Common questions about ground up construction financing in Texas.
Custom homes. Spec builds. Investment projects. Ground up.
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