construction

loans

Construction Loans, Crafted for Custom Homes in East Texas

construction

loans

Construction Loans, Crafted for Custom Homes in East Texas

Combine your land purchase, build phase, and permanent mortgage into a seamless single-close financing solution.

Applying is free and won't affect your credit. See if you qualify now.

1: The Boutique Advantage

From Acreage to Finished Masterpiece

Building a custom home across Tyler, Flint, or regional East Texas acreage is an exciting journey, but securing builder approvals, managing draw schedules, and navigating construction inspections can feel daunting with a standard retail bank.

We streamline ground-up custom builds through tailored One-Time Close (OTC) construction financing. By locking in your permanent interest rate before ground is broken and managing builder draw disbursements with local agility, we protect your budget and ensure a smooth transition from foundation to move-in day.

2: Core Qualification & Program Features

Construction Program Highlights & Key Benefits

  • One-Time Close (OTC) Convenience: Lock your permanent rate upfront and eliminate the risk, hassle, and double closing costs of refinancing after construction ends.

  • Land Equity Credit: Use land you already own across Smith County or East Texas as down payment credit toward your build.

  • Interest-Only Payments During Build: Pay interest only on disbursed funds while your custom home is under construction.

  • Flexible Program Tracks: Choose between Conventional, FHA, and $0-down VA construction loan structures.

  • Streamlined Builder Approval: We work directly with licensed regional general contractors to approve build plans and disburse draw schedules efficiently.

3: Ideal Candidates

Who Benefits Most from a Construction Loan?

Construction financing is built for landowners and future homeowners ready to build custom residential properties. This program is ideal for:

  • Custom Home Builders: Buyers purchasing land or building on existing acreage across Tyler, Flint, and East Texas.

  • Landowners Leveraging Equity: Property owners who bought land in cash or carry land equity to credit toward a new home build.

  • Veterans & Active Military: Utilizing earned VA benefits for $0-down One-Time Close custom home construction.

  • Families Upgrading to Custom Real Estate: Building tailored homes with energy-efficient designs, custom layouts, and workshop/barn structures.

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4: Frequently Asked Questions

Construction Loan FAQs

Q: How does a one-time close construction loan work in Texas?

A: A one-time close construction loan combines your lot purchase, construction phase, and permanent 15- or 30-year primary mortgage into a single transaction with one application and one set of closing costs.

Q: What down payment is required for a custom home construction loan?

A: Down payment requirements typically range from 5% to 20% depending on the loan program (FHA, VA, or Conventional). Land equity you already own can often be credited toward your down payment requirement.

Q: Can I use land I already own as down payment equity?

A: Yes. If you already own land in East Texas, the appraised equity in your lot can serve as part or all of your required down payment for the construction loan.

Ready to Build Equity Through Renovation?

Experience custom construction lending tailored to your builder and parcel. Connect with an East Texas construction mortgage specialist today to evaluate build financing.