Texas New Construction Loans for Investors
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Instant term sheets. No income docs required.
Ground-up construction loans for Texas builders and investors in Houston, San Antonio, and Dallas.
Accelerate Your Texas Build Pipeline
Are you an experienced Texas builder who can build more — but lack the funding to do so? LYNK Mortgage offers new construction loans on permit-ready single- and multi-property residential projects, with rates from 9.50%, terms up to 18 months, and a draw process designed for builders. Highlights include:
Loan-to-value up to 70% ARV
Loan-to-cost up to 85% LTC
Loan terms up to 18 months
Flexible Loans for Builders
The real estate market moves fast, and having access to reliable construction financing can give you the competitive edge you need to succeed. At LYNK Mortgage, we're committed to providing investors with the tools, funding, and expertise to transform neighborhoods and achieve exceptional returns with the best construction loans available in Texas.
Borrow With Confidence
LYNK Mortgage has funded over $1 billion of construction loans for projects just like yours. As a trusted direct lender, we bring years of experience and personalized service to every loan, giving you confidence that you are partnering with a team of experts who understand your real estate investment goals.
Make More Money
Construction loan interest rates in Texas from 9.50%
Get Started Now
Start your construction project with the financing you need today. Get pre-approved in minutes with our online application - or call us at 407-476-2500.
Where We Lend
AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV
What's Special About Texas?
Texas consistently leads the nation in building permits. The state's population growth, available land, and builder-friendly regulatory environment make ground-up construction one of the most profitable strategies in the market. DFW's suburban expansion pushes north and east, Houston's lack of zoning creates unique infill opportunities, Austin's growth corridors drive spec demand, and San Antonio offers the lowest land and labor costs among major Texas cities.
No state income tax benefits builders' bottom line, and Texas labor costs remain below the national average. Material costs are favorable due to the state's central logistics position. The hot climate does push some exterior work to early morning or evening hours in summer, but there are virtually no weather-related construction shutdowns outside of occasional hurricane impacts on coastal projects.
Texas's pro-growth regulatory environment and efficient permitting in most suburban jurisdictions keep the path from lot acquisition to certificate of occupancy as short as anywhere in the country.
Texas has no state income tax, which is the single biggest structural advantage for spec builders running pro-formas. Profits on a finished home aren't haircut by state-level tax the way they are in California, New York, or even neighboring Oklahoma. The flip side is property tax: Texas counties run effective rates well above the national average, and holding a finished spec through a slow sale month can be expensive — most experienced Texas builders price their pro-forma to account for 60-90 days of carry at full-county tax after CO.
The state's three flagship build markets run differently. Houston's lack of zoning and unincorporated-county permitting around Harris and Fort Bend counties make it one of the fastest places in the country to get a residential build under construction. DFW's suburban expansion north into Collin, Denton, and Rockwall counties operates on standard suburban-build mechanics — predictable permits, predictable comps. Austin is the outlier: MUD and PID districts, environmentally sensitive areas around the Edwards Aquifer, and tight Travis County permitting can stretch entitlement by months. San Antonio sits between the two, with the lowest land costs of the major Texas metros.
Texas New Construction Loan Terms
Interest rate
From 9.50%
Max loan-to-cost (LTC)
85%
Max loan-to-value (LTV, ARV basis)
70%
Loan term
Up to 18 months
Draws
Online, inspection-based, 2–5 day funding
Project types
Single- and multi-property residential
Typical close time
7–15 days
Texas Construction Loan Borrower Requirements
Citizenship
U.S. citizen or permanent resident. Foreign-national borrowers considered case-by-case.
Entity
LLC or corporation only — no owner-occupied loans. Out-of-state LLCs work when registered locally.
Credit
Minimum FICO 680. Best pricing at 720+. Stronger files get higher LTC.
Experience
Documented prior new-construction completions strongly preferred. First-time builders considered with a qualified GC.
Permit-ready
Approved plans, permits in hand or in process, and a clear line-item budget.
Liquidity
Enough to cover down payment, soft costs, and interest reserves through stabilization.
How a Texas Construction Loan Closes
1
Online pre-approval
Minutes. Project address, plans, budget — see your term sheet upfront.
2
Submit deal docs
3–5 days. Plans, permit status, GC info, entity docs, experience summary.
3
Appraisal & underwriting
5–10 days. Subject-to-completion appraisal, budget feasibility review, title.
4
Closing
Day 15 or sooner. Sign at title; initial draw for closing costs and lot acquisition where applicable.
5
Construction draws
Request online by line item. Third-party inspection releases, typically funded in 2–5 business days.
Where We Lend in Texas
We originate new construction loans across Texas, including:
Houston, Dallas, San Antonio, Austin, Fort Worth, Plano, Frisco, McKinney, Round Rock, Conroe, Katy, New Braunfels
Not seeing your market? We lend statewide — reach out and we'll confirm coverage.
Our Lending Experts Are Here to Help
Thinking about a new construction project in Texas? Ready to get an approval? We want to make your life easier with our flexible process and knowledgeable staff. Get started with our online pre-approval and you'll be one step closer to a fast closing.
The LYNK Mortgage Difference
Close in 7–15 Days
Human touch, AI speed — AI-assisted underwriting paired with a dedicated loan officer on every build.
Instant Term Sheets
Transparent rates, fees, and draw terms upfront — no surprises.
Easy Draw Process
Simple online draw requests with a dedicated team at every stage.
Multi-Property
Single- and multi-property projects with terms up to 18 months.
Direct Lender
We make our own decisions and fund with our own capital.
$1 billion+ Funded
Trusted by builders and investors with a proven track record.
More From LYNK Mortgage
New construction loans in nearby states
LYNK Mortgage also lends to builders in Oklahoma.
Frequently Asked Questions
Getting started with a ground-up construction loan from LYNK Mortgage is simple. Begin by completing our online application, which allows us to understand your funding needs. Our process is designed to minimize delays and maximize efficiency so that you can focus on what you do best: building properties in Texas for profit.
Renovation & Construction FAQs
Questions About New Construction Loans in Texas
Copyright © LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
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