Construction Loans for Every 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.
Every dream home starts with a vision
Home Owners
Building your dream home? We offer construction-to-permanent loans with low down payments and rate lock options.
Investors
Constructing rental properties? Our investment construction loans account for future rental income in qualifying.
Builders
Professional builder? We offer spec home financing and flexible draw schedules for your construction business.
Property Types We Finance
From single-family homes to small multifamily—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.
Construction Loan Programs
Multiple financing options to match your project and qualifications.
⭐ 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.
Most Popular🏛️ FHA Construction
Government-backed construction financing with low down payment requirements. Ideal for first-time homebuilders in Texas.
Low Down Payment🎖️ VA Construction
Specialized construction financing for veterans and active military personnel. $0 down payment options for building primary residences.
Veterans📈 Investment Property
Construction financing for 1-4 unit investment properties. Uses future rental income in qualification, with 20-25% down payment requirements.
Investors💼 Conventional Construction
Traditional construction financing meeting Fannie Mae and Freddie Mac guidelines. Competitive rates for borrowers with strong credit profiles.
Strong Credit🔧 Construction-Only
For borrowers who want to arrange permanent financing separately. Flexible draw schedules tailored to your building timeline.
Why Choose Adam Bartling & Team for Construction?
We understand Texas construction and make the financing process smooth.
Low Down Payment Options
Construction financing with as little as 5-10% down for qualified borrowers.
Interest-Only During Build
Only pay interest on funds disbursed during construction, keeping payments low.
Local Texas Expertise
We understand Texas building codes, contractor requirements, and market conditions.
Flexible Draw Schedules
Customized disbursements aligned with your construction timeline.
Rate Lock Options
Lock your permanent mortgage rate before construction begins.
Single Closing Process
Save time and money—no duplicate closing costs with our one-time close.
How the Draw Process Works
Construction funds are disbursed in stages as your project progresses.
Foundation Complete
First draw released after foundation is poured and inspected.
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.
Your new Texas home taking shape
Serving All Major Texas Metropolitan Areas & 30+ States
Construction Loan FAQs
Common questions about construction financing in Texas.
Explore More Loan Programs
Already own a home? Explore our other financing options.
