Construction Loans Ground Up in Hidalgo County Texas
Our ground up construction loans in Hidalgo County, Texas are designed for builders and developers who need fast, flexible capital from land purchase to project completion.
What Are Ground Up Construction Loans?
These loans finance the construction of properties from the ground up, including land acquisition and development costs.
Key Features:
- Loan terms: 9–24 months
- Interest-only payments
- Up to 85% LTC
- Up to 70% ARV
- Draw-based funding
How to Qualify
- Land ownership or purchase contract
- Construction plans and budget
- Builder experience preferred
- Exit strategy (sale or refinance)
Property Types Eligible
- Single-family homes
- Spec builds
- Multi-unit (2–4 units)
- Small commercial developments
Draw Process
- Initial funding for land
- Scheduled construction draws
- Inspection verification
- Funds released within 24–72 hours
Local Lending Experience
We understand Hidalgo County markets including McAllen, Edinburg, Mission, and Pharr. We help investors navigate permits, inspections, and contractor timelines.
Benefits Over Banks
Investor-focused lending
Expertise with distressed or complex properties
Flexible terms
Close in 5–10 business days
No Income Docs Required
Serving Areas Across Texas
We proudly serve real estate investors across Texas and are trusted in neighborhoods from Denver to Texas Springs, including Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, and Greeley.
FAQs
Most loans close within 7–14 business days.
No. loans are asset-based, meaning approval is based on the property and exit strategy—not personal income.
Typically within 24–72 hours after inspection approval.
Preferred but not always required.
No. Business-purpose investments only.
Get Funding Fast
Apply now for fast approval! Speak to a local Texas lending expert today and get your deal funded quickly. Submit your deal scenario for same-day feedback and take the first step towards securing the funding you need.