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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. 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 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 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.
InvestorsConventional Construction
Traditional construction financing meeting Fannie Mae and Freddie Mac guidelines. Competitive options 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
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.
Foundation Complete
First draw is 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 & Mechanical Rough-Ins
Third draw when the home is weather-tight (windows, doors, roofing) and mechanical systems — HVAC, plumbing, electrical — pass rough-in inspections.
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.
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.
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 for Your Construction Loan?
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.
Coordinated Draw Management
We coordinate draw inspections so your contractor gets paid and your project keeps moving.
Lender for Life
Annual real estate reviews keep your financing strategy aligned with your goals.
What Clients Say — Verified Google Reviews
Real reviews from the Bartling Lending Partners Google Business Profile. ⭐ 5.0 average.
“Adam and I served together in Iraq, 2005-2006. He’s a knowledgeable guy in the lending field and fully understands how the VA works when it comes to veterans.”
“Adam is a great, hard, dependable worker and very good to work with. He always looks out for his customers – highly recommend! He will do whatever it takes to get you approved for a new home!”
“Excellent communication throughout the process. I would definitely recommend Bartling Lending if you’re looking for a great lender to get the deal done!”
“Adam and his team gave me a list of what they needed upfront and never left me guessing. They were helpful and honest.”
“My clients and I have experienced excellent service and prompt attention, which really helps you get off on the right foot. Doing business with Bartling Lending – thanks to everyone involved!”
“I’ve known Adam with Bartling Lending Partners for years, and he’s always been a stand-up guy. I trust him completely.”
Texas Construction Loan FAQs
Common questions about construction financing in Texas. Click any question to expand. Ask us anything →
Explore Other Texas Loan Programs
Adam Bartling | Texas Mortgage Broker · Loan Officer NMLS# 2213358 · Serving Texas · 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.