New Construction Loans in Houston, TX
Fund your next build with flexible, draw-based construction financing in Houston from a direct private lender who understands developers, timelines, and capital stacks.
- Ground-up construction financing
- Structured draw schedules
- Fast approvals and funding
- Direct lender — no middlemen
Serving: construction loans Houston TX • new construction loans Houston • construction financing Texas
Ground-up construction capital, without the bank friction.
Designed for Houston builders, developers, and operators who need reliable construction loans in Houston, TX with clear draws.
What Is a New Construction Loan?
A new construction loan is short-term, project-based financing used to fund ground-up builds and major structural additions. Instead of wiring the full commitment on day one, capital is released in phases, keeping equity efficient and risk controlled.
- Financing for ground-up residential and small-balance commercial builds
- Funds released in stages (draws) tied to construction milestones
- Interest typically accrues only on funds disbursed, not the full commitment
- Purpose-built for builders, developers, and investors running multiple projects
With Aaron Do, you get direct private lender construction loans in Texas — no retail overlays, no committee surprises, and a draw process aligned with how you actually build.
Ideal when you need efficient construction financing in Houston that can keep pace with permitting, trades, and inspections.
Loan Terms
Flexible, draw-based construction loans in Houston, TX built for experienced operators who care about leverage, timeline, and certainty of execution.
Key construction loan parameters
- Loan Amount: $100K – $5M+
- LTC (Loan-to-Cost): Up to 85–90%, depending on experience and project
- Term: 12–18 months with extensions considered case by case
- Draw Structure: Milestone-based with clear, documented schedules
- Interest Rate: Competitive private lender pricing for construction financing in Texas
- Points: 2–4, sized to risk, leverage, and sponsorship strength
How Draw Funding Works
Structured funding to keep your project moving — without constant renegotiation or surprise delays.
- Initial funding at closing – typically covers land payoff, permits, and initial hard costs.
- Construction milestones – draw schedule mapped to key phases (slab, framing, MEP, dry-in, finishes).
- Inspection and approval – quick site inspections or documentation review to verify progress.
- Funds released per phase – capital wired as milestones are met so you stay liquid and on schedule.
Our draw process is built for operators who are running subs, budgets, and timelines in parallel — not retail borrowers. You always know what has to be done to trigger the next tranche of capital.
Sample Draw Schedule
Draw 1 – Closing: Land + permits + initial site work
Draw 2 – Foundation: Slab and underground utilities
Draw 3 – Framing: Structure, roof, windows, rough-ins
Draw 4 – Dry-In: MEP rough, insulation, drywall
Draw 5 – Final: Finishes, punch list, and CO
Actual structures are customized to your scope, budget, and GC. The goal is simple: keep trades paid, momentum high, and risk managed for everyone.
Built for Builders and Developers
We finance ground-up construction for operators who treat projects like a business, not a one-time event.
Reliable funding
Direct balance-sheet lending for construction loans in Houston, TX and across Texas — so you are not exposed to broker fallout or third-party credit lines.
Flexible structuring
We underwrite real projects — not just credit scores. Experience, collateral, and exit strategy all inform how we structure leverage, reserves, and draws.
Fast execution
Streamlined underwriting for experienced builders and developers. Expect responsive communication, clean term sheets, and clear conditions to close.
Construction-savvy
We understand delays, change orders, and city inspections. Our goal is to keep projects funded and moving — not to weaponize fine print.
Structured for Complex Deals
We structure deals to get approved and funded. If you are building in Houston or anywhere in Texas, you need a lender who can work with real-world complexity.
- Multi-property financing for infill spec home programs and small subdivisions
- Collateral-backed deals using additional properties or cross-collateralization
- Flexible structuring for tiered draws, interest reserves, and builder profit
- Alignment with your exit — sell, refi into perm debt, or hold as rentals
Ideal when you need:
- New construction loans Houston for multiple lots under a single sponsorship
- Capital partner who will consider additional collateral to enhance leverage
- Bridge from raw land or entitlement into vertical construction
- Private lender construction loans that can scale as your pipeline grows
Who This Is For
Our new construction loans in Houston are built for experienced operators running real projects on real timelines.
Builders
Licensed builders managing ground-up residential or small commercial projects who need clean, repeatable capital.
Developers
Sponsors taking dirt through entitlement, horizontal, and vertical construction who need a responsive capital partner.
Investors building spec homes
Experienced investors building to sell or refinance, with a track record of taking projects from plans to exit.
Multi-project operators
Sponsors running multiple sites or phases at once, looking for a capital partner who can scale with their pipeline.
Construction Loans in Houston, TX
We specialize in construction loans Houston TX sponsors can actually close: infill lots, tear-downs, small subdivisions, and strategic ground-up projects across the metro.
- Houston core, suburbs, and growth corridors
- Single-family, townhome clusters, and select small-balance commercial
- Texas-wide lending for sponsors with Houston-based or regional portfolios
Because we are a private lender for construction loans in Texas, we can respond to Houston-specific realities — from flood maps and HOAs to builder labor and absorption — without getting stuck in national credit bureaucracy.
Recent Construction Projects Funded
Preview of the type of construction financing Houston sponsors close with us. For full details, see the case studies library.
Infill Spec Homes – Heights
Loan Amount: $1.8M
Timeline: 14 months
Outcome: Sold all units above pro forma, sponsor rolled equity into next phase.
Townhome Cluster – East Downtown
Loan Amount: $2.4M
Timeline: 16 months
Outcome: Phased draws kept subs paid, units pre-sold before CO.
Build-to-Rent Homes – Suburban Houston
Loan Amount: $3.1M
Timeline: 18 months
Outcome: Stabilized occupancy and refinanced into long-term debt.
Fund Your Next Build
Work with a direct lender who understands construction, draw schedules, and developer realities — not just paperwork.
Prefer to review options first? View loan programs or browse case studies.
Quick Deal Snapshot
Send a concise overview of your Houston or Texas construction deal:
- Project type + location
- Budget, LTC, and timeline
- Sponsor experience and exit
- Photos, plans, or pro forma (if available)
Construction Loan FAQs
Answers for builders, developers, and investors using construction financing in Houston and across Texas.
Still have questions? Submit your deal with notes and we will respond with structure options.
How do construction draws work?
We fund an initial portion of the loan at closing to cover land payoff (if applicable), permits, and initial work. The rest of the commitment is released in draws tied to defined milestones (for example: slab, framing, MEP, dry-in, finishes). After you request a draw, we complete a quick inspection or documentation review to confirm progress and then wire funds. You only pay interest on capital that has been disbursed, not on the full commitment from day one.
What is required to qualify?
We focus on experience, collateral, and exit. Typically, we are looking for: (1) prior construction or development experience (yours or your GC's), (2) a clear, supportable budget and timeline, (3) realistic exit strategy (sale or refinance), and (4) sufficient equity or additional collateral to align interests. Full documentation requirements vary by deal size, but commonly include entity docs, project budget, plans, timeline, and a summary of experience.
How fast can funding be approved?
For straightforward Houston projects where we receive a complete package, we can often issue indicative terms in 24–48 hours and move to full approval shortly after. Closing timelines depend on third parties (title, appraisals, surveys), but many experienced sponsors close in a few weeks. If you are on a tight contract deadline, note that when you submit your deal so we can prioritize accordingly.
Do you fund multiple projects at once?
Yes. Many clients run multiple sites or phases simultaneously. We are comfortable with multi-property and cross-collateralized structures, provided total leverage, experience, and liquidity support the combined exposure. If you are planning multiple new construction loans in Houston or elsewhere in Texas, we can look at the full pipeline and design a capital plan around it.
New construction loans in Houston, TX and across Texas provided by Aaron Do, Direct Private Lender. For detailed program guidelines, visit the Loan Programs page.
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