Construction Loan Options in Texas
Financing a custom home means covering a period when the house does not exist yet, then arranging what happens once it is complete. A construction-to-permanent structure, a stand-alone construction loan, or another available approach may be relevant depending on the plans, the builder, the documentation situation and the property. Availability and requirements vary by borrower, property, lender and program. A scenario review can help identify which path may fit.
Construction Financing for Every Build
Construction Lending
Finance your custom dream home from the ground up. Our construction loans feature flexible draw schedules and convert to a permanent mortgage upon completion.
- One-time close construction-to-permanent
- Flexible draw schedules
- Custom home and spec builds
- Available for self-employed borrowers
- Competitive rates
Spec Construction Lending
Builder ProgramGround-up construction financing for builders and developers. Short-term spec construction loans designed for projects that will be sold upon completion.
- Terms: 9–24 months
- Rates: 9.5%–10.99% based on credit and scenario
- Ground-up new construction
- Available for builders and developers
- Flexible draw schedules
Ready to Break Ground?
Schedule a consultation with one of our senior mortgage advisors. We’ll review your project and identify the best construction financing solution.