A construction loan is short-term financing used by real estate investors to fund the building of new residential or commercial properties. These loans cover the cost of materials, labor, permits, and other construction-related expenses.

We work with experienced and first-time real estate investors, builders, and developers. Basic qualifications include:
– A credit score of 600 or higher
– Clear building plans and a defined scope of work
– A solid budget and timeline
– An exit strategy (such as selling or refinancing)

We finance a wide range of ground-up construction projects in Texas, including:
– Single-family homes
– Duplexes and triplexes
– Multifamily properties (up to 20 units)
– Mixed-use developments
– Commercial buildings and investment properties

We offer fast approvals. Most qualified investors receive pre-approval within 24–48 hours after submitting their loan request.

Draws are released in stages based on the completion of construction milestones. An inspector verifies progress, and then funds are released to keep the project moving.

LTC (Loan-to-Cost) refers to the loan amount as a percentage of your total project cost. We typically offer up to 85% LTC, meaning you may only need to bring 15% of the cost as equity.

While experience is helpful, it is not required. We evaluate the overall project feasibility, contractor reliability, and your exit strategy to determine eligibilit

Yes. You’ll need to obtain all relevant Texas building permits and carry builder’s risk insurance to protect your property during the construction period.

We fund construction projects throughout the state, including:
– Houston
– Dallas
– Austin
– San Antonio
– Fort Worth
– El Paso
– Corpus Christi
– And other rapidly growing Texas markets