Homeowners
Borrowers
There are a lot of moving parts in obtaining a construction loan. Learn where to begin, who is involved, and what is evaluated.
How to get approved →
Interim construction lending · All of Texas
Construction loans for custom homes
For over three decades Construction Financial Solutions has offered homeowners construction loans to build their dream homes, from Amarillo to Brownsville and El Paso to Houston.
What we finance
We provide construction loans to build primary residences, investment properties, and vacation homes, as well as renovation of existing homes. The construction loan is refinanced into a long-term mortgage upon construction completion.
Founded by builders and funded by private investors, each loan is analyzed from both a builder’s and a lender’s perspective. Your loan officer, processor, underwriter and draw specialist all work under the same roof, from application through the refinance when the home is complete.
At a glance
- The land can be a purchase, a land loan payoff, or owned free and clear. Equity in the land counts toward any required deposit.
- The homeowner can act as their own builder if they meet our criteria.
- We don’t pull credit on the builder. Approval is based on the borrower’s financials.
- Material-only draws can be paid the same day, and labor draws within 2 business days of approved backup.
Who we work with
General contractors
Builders
From floor plans and contracts to insurance, surveys and warranties, be informed with the builder requirements.
Builder requirements →Mortgage professionals
Brokers
Each construction loan is supported by a wholesale lender. We provide the interim loan and brokers provide the take-out.
Partner with CFS →From bare land to move-in
The nine stages of a CFS construction loan. See the full approval process.
- 01
Land
Purchase, payoff, or owned free and clear.
- 02
Cost
Pick a plan and get builder estimates.
- 03
Application
Credit and financial review.
- 04
Processing
Borrower and builder documents, appraisal, title.
- 05
Underwriting
Every part of the file analyzed.
- 06
Closing
Sign with the title company.
- 07
Construction
Draws inspected and paid as work completes.
- 08
Refinance
Into your long-term mortgage.
- 09
Relax
Move in.
Homes our builders and borrowers created
View the gallery →
What our partners say
“That was great. You explained better in one email than anyone else has in weeks and many emails.”
Litaker Realty Inc.
“I had to close a construction deal with a different lender and it was so tedious, and I thought how much easier you make it for us!”
Chicago Title of Texas, LLC
“I have learned so much in this entire loan, it has made me a much better LO than when we started.”
MyHomeLoanHelper.com