Draw-based loans for new construction and major development. Compare Construction Loans lenders in Texas and request quotes for your deal.
3 lenders listed for Construction Loans in Texas. Review loan amounts, leverage, rates and terms, open "More details" for the full profile, then request quotes to compare real offers on your deal.
Nationwide lender offering investment, residential and commercial real estate loans.
Offers DSCR, fix and flip and ground-up construction loans.
Offers fix and flip, DSCR and construction loans.
Listings are for information only. Rates, fees, leverage and licensing for Construction Loans in Texas vary by lender and borrower, so confirm current terms directly. We are an independent comparison site, not a lender.
Searching for Construction Loans in Texas? Local conditions shape every deal, and the numbers in Houston rarely match those in Dallas or Austin. Here is how Construction Loans work in Texas, who the lenders are, what they evaluate and what to expect from first call to closing.
| Loan size | |
|---|---|
| Leverage | Up to 90% LTC leverage |
| Project types | Residential, multifamily & mixed-use projects |
| Borrowers | Ground up, spec homes & build-to-rent for builders and developers |
| Draws and exit | |
| Closing timeline | Close in as few as 14 days |
Typical terms shown for illustration. Actual rates, leverage and timelines depend on the borrower, the property and underwriting.
A construction loan funds a ground-up build in stages, releasing money through inspected draws as each phase of the project is finished. In Texas, lenders apply that structure to local conditions. Purchase prices, rents, insurance costs and property taxes in Houston look very different from those in San Antonio or Fort Worth, so each loan is typically sized around the individual property instead of a statewide average.
Texas offers large metros such as Dallas-Fort Worth, Houston, Austin and San Antonio with rapid population growth. For borrowers, that means Construction Loans opportunities that run from Houston to Lubbock, each with its own price points and tenant profile. Working with a lender that understands those differences helps you set realistic budgets, avoid surprises at appraisal and choose a loan term that fits your plan.
For Construction Loans in Texas, underwriting centers on the plans and budget, the builder's experience, the land value, the projected completed value and your equity. Because Texas rules on taxes, insurance, landlord-tenant law and foreclosure timelines differ from neighboring states, lenders also weigh how those factors affect the property's expected performance.
Typical uses include ground-up spec homes, infill lots and small multi-unit new builds. Investors active in El Paso and Plano often pair Construction Loans with local property managers or contractors, while borrowers in smaller markets such as Frisco may be looking for a lender willing to evaluate deals that large national banks overlook.
Expect a review of plans, budget and permits up front, followed by draws released as inspections confirm progress. Most Texas borrowers follow the same four steps: submit the scenario, review indicative terms, order the appraisal and title work, and close with a licensed settlement agent.
Terms for Construction Loans in Texas vary by borrower, property and loan type, and licensing rules differ by state, so confirm the details with a lender licensed in Texas before you commit. Send your scenario through the form at the top of this page to request quotes.
A construction loan funds a ground-up build in stages, releasing money through inspected draws as each phase of the project is finished. In Texas, lenders apply this structure to local prices, rents and property types.
Many Construction Loans in Texas can close in as few as 14 days, depending on the property, the appraisal and title work. Expect a review of plans, budget and permits up front, followed by draws released as inspections confirm progress.
Underwriting centers on the plans and budget, the builder's experience, the land value, the projected completed value and your equity. Lenders in Texas also weigh property taxes, insurance costs and local market conditions.
Borrowers request Construction Loans across Texas, including Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Plano, Arlington. Availability and terms vary by lender and property.
Compare the rate, points and fees, maximum leverage, term options, prepayment terms and closing speed for the same deal, and confirm the lender is licensed to lend in Texas.
Each Texas market has its own prices, rents and property mix, so Construction Loans terms in Texas can differ from one city to the next.
Whether it is your first or fifteenth Houston property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Local comps, rents and condition all shape the final offer.
Exploring Construction Loans in Dallas, Texas? Lenders here typically focus on budget and draw-schedule underwriting, so you can build from the ground up with staged draw funding with clear terms up front. Send your scenario to request quotes.
Exploring Construction Loans in Austin, Texas? Lenders here typically focus on budget and draw-schedule underwriting, so you can build from the ground up with staged draw funding with clear terms up front. Local comps, rents and condition all shape the final offer.
Whether it is your first or fifteenth San Antonio property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Tell us about your San Antonio deal to compare options.
From neighborhood comps to local rents, Fort Worth deals are priced one at a time. Compare Construction Loans offers built to help you build from the ground up with staged draw funding. Compare leverage, term options and timelines for Fort Worth.
Whether it is your first or fifteenth El Paso property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Send your scenario to request quotes.
From neighborhood comps to local rents, Plano deals are priced one at a time. Compare Construction Loans offers built to help you build from the ground up with staged draw funding. Tell us about your Plano deal to compare options.
Lenders active in Arlington and nearby areas evaluate Construction Loans using budget and draw-schedule underwriting. Local comps, rents and condition all shape the final offer.
Corpus Christi investors use Construction Loans to build from the ground up with staged draw funding. Lenders price each Corpus Christi property on its own numbers, so compare more than one offer. Local comps, rents and condition all shape the final offer.
From neighborhood comps to local rents, Frisco deals are priced one at a time. Compare Construction Loans offers built to help you build from the ground up with staged draw funding. Local comps, rents and condition all shape the final offer.
Whether it is your first or fifteenth McKinney property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Local comps, rents and condition all shape the final offer.
From neighborhood comps to local rents, Lubbock deals are priced one at a time. Compare Construction Loans offers built to help you build from the ground up with staged draw funding. Tell us about your Lubbock deal to compare options.
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