Texas Construction Loans for 1-4 Unit Properties

Bartling Lending Partners offers specialized construction loans designed specifically for Texas property owners looking to build new homes or small multifamily properties with 1-4 units. Our construction financing solutions are tailored to the unique needs of the Texas real estate market, with competitive rates and terms that make your building project affordable and streamlined.

Whether you're building your dream home in Dallas, developing a duplex in Houston, creating a triplex in Austin, or constructing a fourplex in San Antonio, our construction loan experts understand the local building codes, regulations, and market conditions that impact your project.

Our construction-to-permanent loans allow you to lock in your rate now for both your construction period and your permanent mortgage, protecting you from interest rate fluctuations and simplifying the entire financing process.

We offer specialized construction loan programs for properties in all major Texas metropolitan areas, with deep expertise in local building requirements, costs, and market conditions.

Building your dream home starts with the right financing. Our single-family construction loans provide the funds for land purchase, architectural plans, permits, and construction costs in one streamlined package.

Building a duplex can provide both a residence and a rental income source. Our duplex construction loans account for future rental income potential in qualifying metrics, potentially allowing for higher loan amounts.

Our specialized small multifamily construction loans for triplex and fourplex properties help investors maximize returns with favorable financing terms that recognize the income-producing nature of these investments.

Our most popular option combines your construction financing and permanent mortgage into one loan with a single closing, saving you thousands in closing costs and locking in your long-term rate before construction even begins.

For borrowers who want to arrange permanent financing separately, our construction-only loans provide the funds needed to complete your project with flexible draw schedules tailored to your building timeline.

Government-backed construction financing with low down payment requirements, ideal for first-time homebuilders looking to create their primary residence in Texas cities.

Specialized construction financing for veterans and active military personnel, offering competitive terms for building primary residences in Texas's major metropolitan areas.

Construction financing with as little as 5-10% down for qualified borrowers, making it easier to start your Texas building project.

Only pay interest on funds disbursed during the building phase, keeping your payments low until construction is complete.

Our loan officers understand Texas building codes, contractor requirements, and neighborhood trends in all major cities.

Customized disbursement schedules that align with your construction timeline and contractor payment requirements.

Lock in your permanent mortgage rate before construction begins, protecting you from market fluctuations during the building process.

Save time and money with our one-time closing for construction-to-permanent loans, eliminating duplicate closing costs.

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 and 15-20% for 2-4 unit properties.

While requirements vary by program, most Texas 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.

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 and income qualifications, but allow you to consider future rental income in the qualification process.

Construction funds are disbursed in stages as your project progresses. Typically, draws occur after completion of the foundation, framing, dry-in, mechanical systems, and final completion. Each draw requires inspection to verify completion of the construction phase before funds are released.

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.

Yes, we offer construction financing throughout Texas, including rural areas. For properties outside major metropolitan areas, USDA construction loans may provide up to 100% financing for qualified borrowers building primary residences in eligible rural locations.

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 and stricter qualification standards.

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.