Texas residential construction site \u2014 building a custom home with Adam Bartling & Team construction-to-permanent financing
🏗 Serving Texas & 30+ States  |  Veteran-Owned

Texas Construction Loans —
One Loan, One Closing

Build your dream home or investment property in Texas with construction-to-permanent financing. Lock your rate before ground breaks — and close just once. Single-family homes and 1–4 unit properties statewide.

5%
Min. Down*
30–45
Days to Close
1–4
Unit Properties
30+
States Served
LET’S TALK

*Conventional baseline. FHA construction from 3.5% down; VA construction $0 down for eligible veterans.

Free consultation  ·  No obligation  ·  No upfront credit check

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 project and timeline.

Child drawing a dream house with chalk on a Texas driveway \u2014 every Texas dream home starts with a vision

Every dream home starts with a vision

Homeowners

Building your dream home? Construction-to-permanent loans let you lock your rate before ground breaks — one loan, one closing, no duplicate fees. Great pairing for first-time homebuyers.

Investors

Constructing rental properties? Our investment construction loans factor future rental income into qualifying — great paired with a DSCR loan strategy for the take-out.

Builders

Professional builder? We offer spec home financing and flexible draw schedules tailored to your construction business and project pipeline.

Texas Construction Loan Programs

Multiple financing options to match your project, property type, and qualifications.

Construction-to-Permanent

Our most popular option. Combines construction financing and your permanent mortgage into one loan with a single closing — saving thousands in duplicate closing costs. Rate locks before the first shovel hits the ground.

Most Popular

FHA Construction

Government-backed construction financing with low down payment requirements — as little as 3.5% for primary residences. Ideal for first-time homebuilders in Texas.

FHA Loan Texas details →

VA Construction

Eligible veterans can build with $0 down using a VA construction-to-permanent loan. One loan, one closing, no monthly mortgage insurance — honoring the service of those who’ve earned it.

VA Loan Texas details →

Investment Property Construction

Build 1–4 unit rental properties with construction financing that factors in future rental income during qualification. Typically 20–25% down. See also: DSCR Loan Texas.

Investors

Conventional Construction

Traditional construction financing meeting Fannie Mae and Freddie Mac guidelines. Competitive options for borrowers with strong credit profiles. Compare conventional options →

Strong Credit

Construction-Only

For borrowers who prefer to arrange permanent financing separately at project completion. Flexible draw schedules tailored to your build timeline and contractor milestones.

Flexible
🌎 Serving Texas & 30+ States

Property Types We Finance

From single-family homes to small multifamily — construction financing for 1–4 unit residential properties throughout Texas.

Single-Family

Build your dream home with land, plans, permits, and construction in one streamlined package.

Duplex (2 Units)

Live in one unit, rent the other. Rental income helps you qualify — house-hacking at its best.

Triplex (3 Units)

Maximize returns with financing that fully recognizes the income potential of all three units.

Fourplex (4 Units)

The maximum for residential financing — build a small multifamily property with competitive investor terms.

Serving All Major Texas Metropolitan Areas

📍 Dallas–Fort Worth 📍 Houston 📍 Austin 📍 San Antonio 📍 Killeen / Fort Hood 📍 All 254 TX Counties

Ready to Start Your Texas Construction Project?

No obligation, no upfront credit check — just honest guidance from a dedicated team that stays with you from application through final draw.

LET’S TALK
🌎 Serving Texas & 30+ States

How the Texas Construction Draw Process Works

Texas construction loans typically use 4–5 draws disbursed at key milestones. You only pay interest on funds that have been drawn — keeping payments low throughout the build.

1

Foundation Complete

First draw is released after the foundation is poured and passes inspection. Work begins with verified progress.

2

Framing Complete

Second draw after framing, roof, and exterior sheathing are complete. The structure is taking visible shape.

3

Dry-In & Mechanical Rough-Ins

Third draw when the home is weather-tight (windows, doors, roofing) and mechanical systems — HVAC, plumbing, electrical — pass rough-in inspections.

4

Interior Finish (Optional 5th Draw)

Fourth draw after drywall, cabinetry, flooring, and interior finishing reach substantial completion. Some lenders use this as the final draw, while others split into a fifth.

5

Final Completion → Permanent Loan

Final draw upon completion and certificate of occupancy. With a construction-to-permanent loan, your file automatically converts to a permanent mortgage — no second closing, no second set of fees.

You’re home.
Modern new home under construction in a Texas subdivision \u2014 financed with a construction-to-permanent loan

Your Texas home taking shape

💡 Texas Builder Note: Texas does not license general contractors or homebuilders at the state level. Your lender will instead vet your builder’s insurance, references, and verifiable track record. Owner-builder construction loans are available but require larger down payments and demonstrated experience. We help you assemble a builder package that lenders will approve.

Interest-Only During Build

Only pay interest on funds disbursed — not the full loan amount.

Rate Lock Before Build

Lock your permanent mortgage rate before construction begins.

Flexible Draw Schedules

Disbursements customized to your contractor’s timeline.

Single Closing

One set of closing costs — not two. Saves thousands.

Why Choose Adam Bartling & Team for Construction?

We understand Texas building — from contractor vetting to draw inspections to rate lock timing. Here’s what sets us apart.

No Upfront Credit Check

Explore your options before any credit impact.

Texas Construction Expertise

We know Texas building codes, builder vetting standards, and local market conditions.

Dedicated Processor

Same team from application through final draw and conversion.

Education-First Approach

We walk you through every step before you commit to anything.

On-Time Draw Management

Prompt draw inspections keep your contractor paid and your project on schedule.

Lender for Life

Annual real estate reviews keep your financing strategy aligned with your goals.

What Texas Builders & Homeowners Say

★★★★★

“Building in Frisco felt overwhelming until Adam’s team explained the draw process clearly. They kept everything on schedule and the rate lock saved us when rates moved. One closing — no surprises.”

— James & Sarah M.
Frisco, TX | Construction-to-Permanent
★★★★★

“Built a duplex in San Antonio — live in one unit, rent the other. Adam structured it so the rental income counted in qualifying. The draw inspections came through fast every time.”

— Marcus T.
San Antonio, TX | Duplex Construction Loan
★★★★★

“Used a VA construction loan to build near Fort Hood. Zero down, locked rate before we broke ground. Adam and team knew the VA process inside out — made it as smooth as any loan I’ve done.”

— CPT (Ret.) Brian W.
Killeen, TX | VA Construction Loan
Your Texas Construction Loan Officer
Adam Bartling \u2014 Texas Construction Loan Officer, Retired Army Captain, NMLS# 2213358
NMLS#
2213358

Adam Bartling

Loan Officer | Retired Army Captain | Texas Construction Loan Specialist

Adam Bartling is a retired U.S. Army Captain with 22 years of service who now helps Texas homeowners, investors, and builders navigate one of the most complex loan products in residential lending. Construction financing requires a loan officer who understands timelines, builder vetting, draw management, and rate lock strategy — Adam brings that depth to every file.

Licensed in Texas and 30+ states, Adam runs a veteran-owned operation as a direct lender that shops multiple lenders to find the best fit for each construction project. His education-first approach means you’ll understand every step of your construction loan before you sign anything.

🎖 22-Year Army Veteran 🏗 Construction Specialist 📍 TX & 30+ States ✅ No Upfront Credit Check

Texas Construction Loan FAQs

Common questions about construction financing in Texas. Click any question to expand. Ask us anything →

How much down payment is required for a Texas construction loan?

Requirements range from 3.5% (FHA construction) to 5–10% (conventional single-family) up to 20–25% for investment properties. VA construction loans offer $0 down for eligible veterans. We’ll match you to the option with the lowest requirement you qualify for.

What credit score do I need for a construction loan in Texas?

Conventional construction loans typically require a 680 or higher credit score. FHA and VA construction options may be available for scores as low as 620–640. The stronger your credit, the better the rate and the lower the required down payment. Don’t assume you don’t qualify — we review your full profile before drawing any conclusions.

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 and 30+ states. Lenders factor future rental income into your qualification, which can significantly boost your purchasing power. Investment construction typically requires 20–25% down and strong credit. For finished properties, a DSCR Loan Texas is often the next step.

Do I need a licensed builder for a Texas construction loan?

Texas does not license general contractors or homebuilders at the state level. Lenders instead require an experienced builder with proper insurance, a verifiable track record, and references. Owner-builder options exist but typically require larger down payments, stricter qualifications, and demonstrated construction experience. We’ll help you determine which approach works for your specific project.

How long does a Texas construction loan take to close?

Plan for 30–45 days from application to closing — similar to a standard mortgage but with additional steps: reviewing building plans, vetting the builder, and approving the construction budget. Starting the process early, before you’re ready to break ground, is always the right move.

How many draws are there in a Texas construction loan?

Texas construction loans typically use 4–5 draws disbursed at key milestones: foundation, framing, dry-in / mechanical rough-ins, interior finish, and final completion. You only pay interest on funds that have been drawn during the build — keeping payments low while construction is in progress.

What happens when construction is complete?

With a construction-to-permanent loan (our most popular option), the loan automatically converts to your permanent mortgage upon final inspection and certificate of occupancy — no second closing, no second set of fees. With a construction-only loan, you’ll need to arrange separate permanent financing at completion.

🌎 Serving Texas & 30+ States

Ready to Build Your Texas Dream Home?

From single-family dream home to investment fourplex — we’ll find the right construction financing for your project and build the home your family deserves.

LET’S TALK
✅ No upfront credit check ✅ Education-first approach ✅ Dedicated team ✅ On-time closings

Adam Bartling & Team · Loan Officer NMLS# 2213358 · Serving Texas & 30+ States · Equal Housing Lender · This page is for informational purposes only and does not constitute a commitment to lend. Loan programs, rates, and terms are subject to change. All loans subject to credit approval.