Construction Loans for Every Texas Builder
Whether you’re building your first home, adding to your investment portfolio, or you’re a professional builder—we have financing tailored to your needs.
Building memories in your dream home
Home Owners
Building your dream home? We offer construction-to-permanent loans with low down payments and rate lock options. Perfect for Texas families ready to build.
Investors
Constructing rental properties in Texas? Our investment construction loans account for future rental income in qualifying. Build wealth through real estate.
Builders
Professional builder? We offer spec home financing and flexible draw schedules for your construction business throughout Texas markets.
Property Types We Finance in Texas
From single-family homes to small multifamily properties—we provide construction financing for 1-4 unit residential properties throughout Texas.
Single-Family Homes
Build your dream home with land, plans, permits, and construction in one package.
Duplex (2 Units)
Live in one unit and rent the other—rental income helps you qualify.
Triplex (3 Units)
Maximize returns with favorable financing that recognizes income potential.
Fourplex (4 Units)
Build a small multifamily property with competitive investor terms.
Texas Construction Loan Programs
Multiple financing options to match your project and qualifications. We shop multiple lenders to find you the best rates.
⭐ Construction-to-Permanent
Our most popular option. Combines construction financing and permanent mortgage into one loan with a single closing—saving thousands in closing costs.
🔧 Construction-Only
For borrowers who want to arrange permanent financing separately. Provides the funds needed to complete your project with flexible draw schedules.
🏛️ FHA Construction
Government-backed construction financing with low down payment requirements. Ideal for first-time Texas homebuilders. Learn about FHA loans →
🎖️ VA Construction
Specialized construction financing for veterans and active military. Build your primary residence with $0 down payment options. Learn about VA loans →
📈 Investment Property
Construction financing for 1-4 unit investment properties. Uses future rental income in qualification. Learn about investor loans →
💼 Conventional Construction
Traditional construction financing meeting Fannie Mae and Freddie Mac guidelines. Competitive rates for strong credit profiles. Learn about conventional loans →
Serving All Major Texas Metropolitan Areas
🌎 Serving Texas & 40+ States Nationwide
Not Sure Which Construction Loan is Right?
We’ll help you compare options and find the best fit for your Texas construction project—no upfront credit check required.
LET’S TALKWhy Choose Adam & His Team for Texas Construction?
We understand construction and make the financing process smooth. As a veteran-owned business, we work for you—not the banks.
Low Down Payment Options
As little as 5-10% down for qualified Texas borrowers.
Interest-Only During Build
Only pay interest on funds disbursed during construction.
Local Texas Expertise
We understand Texas building codes and market conditions.
Flexible Draw Schedules
Customized disbursements aligned with your timeline.
Rate Lock Options
Lock your permanent rate before construction begins.
Single Closing Process
Save time and money—no duplicate closing costs.
The joy of building your family’s forever home
How the Texas Construction Draw Process Works
Construction funds are disbursed in stages as your project progresses.
Framing stage – Draw #2 in the construction process
Foundation Complete
First draw released after foundation is poured and inspected by your Texas contractor.
Framing Complete
Second draw after framing, roof, and exterior sheathing are complete.
Dry-In Stage
Third draw when the home is weather-tight with windows and doors installed.
Mechanical Systems
Fourth draw after HVAC, plumbing, and electrical rough-ins are complete.
Final Completion
Final draw upon completion and certificate of occupancy—loan converts to permanent mortgage.
Texas Construction Loan FAQs
Common questions about construction financing in Texas.
How much down payment is required for a construction loan in Texas?
Down payment requirements typically range from 5-20% depending on the loan program, property type, and borrower qualifications. FHA construction loans may require as little as 3.5% down for primary residences, while conventional construction financing generally starts at 10% for single-family homes.
What credit score do I need for a Texas construction loan?
Most construction lenders look for a minimum credit score of 680 for conventional construction loans. FHA and VA construction options may be available for borrowers with scores as low as 620-640, depending on other qualification factors.
Can I build a duplex, triplex, or fourplex as an investment property?
Yes, we offer construction financing for 1-4 unit investment properties throughout Texas. Investment property construction loans typically require 20-25% down payment and strong credit, but allow you to consider future rental income in the qualification process.
What are current interest rates for Texas construction loans?
Construction loan rates are typically 0.5% to 1% higher than standard mortgage rates, reflecting the additional risk during the building phase. Construction-to-permanent loans often feature a slightly higher rate during construction that converts to a standard mortgage rate upon completion.
Do I need a licensed builder for my construction loan?
Most of our construction loan programs require a licensed Texas builder with proper insurance coverage and a solid track record. Owner-builder options may be available for borrowers with significant construction experience, but typically require larger down payments.
How long does the construction loan process take?
The construction loan approval process typically takes 30-45 days from application to closing, similar to a standard mortgage but with additional steps to review building plans, contractor qualifications, and construction budgets.
Explore More Loan Programs
Not ready to build? Explore other financing options that may fit your needs.
