Owner Builder Financing

Yes, we do owner-builder construction loans in Texas.


Approval of builder of record (in Texas a builder needs to be licensed at the state level to sign the builder contract, you can still be the general contractor and manage money and subs, but builder of record will be “on the line” with the lender.

Up to 90% of total cost and 85% of appraised value* financing on residential construction loans.
* total cost is cost of land and construction
* if 85% of appraised value is lower than 90% of cost, then 85% of value is used
* location of property and borrower can affect 90% & 85% amounts

Generally 680* credit score of 680* is required.

For loans over $550,000% the loan to appraised value needs to be 80%* or lower.
Some exceptions apply but are not the norm.

We have a few construction lenders that will consider middle credit score down to 650.

Equity in land/lot can be used for "down-payment"

We can be reached at 281-259-8899