Build Your Dream Home in Texas

Single-Family

Land, plans, permits, and construction — all in one Texas package.

Duplex (2 Units)

Live in one unit and rent the other — rental income helps you qualify.

Triplex (3 Units)

Maximize Texas returns with financing that recognizes income potential.

Fourplex (4 Units)

Build a small Texas multifamily property with competitive investor terms.

⭐ Construction-to-Permanent

Combines construction financing and permanent mortgage into one loan with a single closing — saving thousands in closing costs.

🔧 Construction-Only

Provides the funds needed to complete your Texas project with flexible draw schedules. Arrange permanent financing separately at completion.

🏛️ FHA Construction

Government-backed Texas construction financing with low down payment requirements. Ideal for first-time homebuilders.

🎖️ VA Construction

Build your primary Texas residence with $0 down payment options. Specialized construction financing for veterans and active military.

📈 Investment Property

Construction financing for 1–4 unit Texas investment properties. Uses future rental income in qualification.

💼 Conventional Construction

Traditional Texas construction financing meeting Fannie Mae/Freddie Mac guidelines. Competitive rates for strong credit profiles.

Framing & dry-in stage — Draw #2 in the Texas construction process

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

Down payment requirements typically range from 5% to 20% depending on the loan program and borrower qualifications. FHA construction loans may require as little as 3.5% down for primary residences, VA construction loans can be 0% down for eligible Texas veterans, and conventional construction financing generally starts at 10% for single-family homes. Investment property construction loans usually require 20–25% down.

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

Most Texas construction lenders look for a minimum credit score of 680 for conventional programs. FHA and VA construction options may be available for borrowers with scores as low as 620–640. DSCR investor construction loans typically start at 660+. Your specific credit profile and project details determine your best loan options.

Can I build a duplex, triplex, or fourplex as an investment property in Texas?

Yes. We offer construction financing for 1–4 unit investment properties throughout Texas. Investment property construction loans typically require 20–25% down and strong credit, but they allow future rental income to count toward qualification — particularly with DSCR loan programs that focus on the property’s cash flow rather than personal income.

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

Builder licensing requirements vary by state. Texas does not require general contractors or homebuilders to hold a state license to build single-family homes, though some local jurisdictions may require permits or registration. Regardless of state licensing, every construction loan requires your builder to carry proper insurance (general liability and workers’ compensation) and demonstrate a solid track record. Owner-builder options may be available with significant construction experience and larger down payments.

How long does the Texas construction loan process take?

The 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. Once construction begins, build timelines vary by project size and complexity, usually 6–12 months for a single-family home in Texas.

How are Texas construction loan funds disbursed?

Texas construction loans typically use 4 draws, released as your project hits major milestones: foundation, framing/dry-in, mechanical systems, and final completion. Each draw requires an inspection to verify the work was completed before funds are released. You only pay interest on the funds that have been disbursed — not the full loan amount — which keeps payments low during the build.