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. Serving single-family homes and 1–4 unit properties statewide.
Free consultation • No obligation • No upfront credit check
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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.
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.
Investors
Constructing rental properties? Our investment construction loans account for future rental income in qualifying — great paired with a DSCR loan strategy.
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 PopularFHA 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 PMI — 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 — strong returns from day one. See also: DSCR loans Texas.
InvestorsConventional Construction
Traditional construction financing meeting Fannie Mae and Freddie Mac guidelines. Competitive rates for borrowers with strong credit profiles. Compare conventional options →
Strong CreditConstruction-Only
For borrowers who prefer to arrange permanent financing separately at project completion. Flexible draw schedules tailored to your build timeline and contractor milestones.
FlexibleProperty 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
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 TALKHow the Construction Draw Process Works
Construction funds are disbursed in stages as your project hits key milestones — you only pay interest on what’s been drawn, keeping payments low throughout the build.
Foundation Complete
First draw released after the foundation is poured and passes inspection. Work begins with verified progress.
Framing Complete
Second draw after framing, roof, and exterior sheathing are complete. The structure is taking visible shape.
Dry-In Stage
Third draw when the home is weather-tight with windows and exterior doors installed. Interior work can begin.
Mechanical Systems
Fourth draw after HVAC, plumbing, and electrical rough-ins are complete and inspected.
Final Completion → Permanent Loan
Final draw upon completion and certificate of occupancy. Your loan automatically converts to a permanent mortgage — no second closing, no second set of fees.
You’re home.
Your Texas home taking shape
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 requirements 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, contractor 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.”
“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.”
“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.”
Texas Construction Loan FAQs — 2026
Common questions about construction financing in Texas. 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) to 20–25% (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 680+. 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?
Most programs require a licensed Texas builder with proper insurance and a verifiable track record. 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, verifying contractor qualifications, and approving construction budgets. Starting the process early, before you’re ready to break ground, is always the right move.
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.
Explore Other Texas Loan Programs
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
Adam Bartling & Team | Loan Officer NMLS# 2213358 | Movement Mortgage NMLS# 39179
Serving Texas & 30+ States | Equal Housing Lender | This page is for informational purposes only and does not constitute a commitment to lend. Loan terms subject to change without notice. All loans subject to credit approval.