Construction Loans · Texas

Construction Loans in Texas — One Close. Zero Surprises.

Whether you're building a custom home in Houston, renovating in Dallas, or developing in Austin — Sean Shallis structures construction-to-permanent loans with one closing instead of two, so you pay one set of closing costs.

Single close. Interest-only during build. One rate lock. One appraisal. Draw schedule managed. Originated through a national portfolio lender.

Get Your Build BudgetBook Strategy Call
90-second pre-qualification No credit impact $100K+ minimum project
Construction Lending in Texas

Texas builders deserve a lender who manages the details.

Sean Shallis is a national construction loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He structures single-close construction-to-permanent loans with one closing instead of two, locks your rate before you break ground, and keeps the draw schedule on track so your builder gets paid on time.

Whether you're building a custom home in Houston, doing a gut renovation in Dallas, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.

01
Plan with Sean
Share your Texas build plans, budget, and timeline. Sean structures a single-close loan covering lot, construction, and permanent mortgage in one.
02
Build with Confidence
During construction, pay interest-only on funds drawn. Sean manages the draw schedule with your Texas builder — releasing funds at each milestone.
03
Move In with One Mortgage
When construction completes, your loan converts automatically. No second closing. No re-qualification. No surprises.

Custom Build in Texas

Building from the ground up in Houston or Dallas? One loan, one close, one rate lock from dirt to doorstep.

Major Renovation

Gut renos and renovation-to-permanent projects in Texas. Transform an existing structure without juggling multiple loans.

Physician Builders

Physicians building in Texas can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.

Investment Builders

Developing rental or investment properties in Texas? Competitive terms for experienced investors with $100K+ projects.

One Close
Not Two

One set of closing costs and one appraisal. No second closing when the loan converts.

Interest-Only
During Build

Pay only interest on funds drawn — not the full loan amount

One
Rate Lock

Lock your permanent rate before construction begins

12-18 Mo
Build Window

Generous construction timeline with extension options

Sean vs. Typical Texas Construction Lenders

Most Texas lenders require two closings and leave you managing the draw schedule yourself.

Feature
Working With Sean
Typical TX Lender
Single close (one set of closing costs)
—
Interest-only during construction
Rate locked before build starts
—
Draw schedule managed for you
—
Physician loan combo available
—
Renovation-to-permanent eligible
—
No re-qualification at conversion
—
Lot purchase + construction in one loan
—

Building Across Texas

Sean works with builders and developers across every Texas market — and nationwide.

Houston, TX

Construction-to-permanent loans available for custom builds and renovations in Houston.

Dallas, TX

Construction-to-permanent loans available for custom builds and renovations in Dallas.

Austin, TX

Construction-to-permanent loans available for custom builds and renovations in Austin.

San Antonio, TX

Construction-to-permanent loans available for custom builds and renovations in San Antonio.

Construction Loan FAQ — Texas

What's the difference between single-close and two-close construction loans in Texas?
A two-close loan requires separate closings (and separate fees) for the construction phase and permanent mortgage. Sean's single-close program combines both into one loan: one closing, one set of closing costs, one appraisal. For Texas builders that also removes the risk of rate changes or re-qualification between phases.
What's the minimum project size for a construction loan in Texas?
The minimum project size is $100K. This applies to both new construction and renovation-to-permanent projects in Texas. There's no maximum — Sean regularly structures construction loans for custom builds well into the millions.
Can I do a renovation-to-permanent loan in Texas?
Yes. If you're doing a gut renovation or major structural work on a Texas property, renovation-to-permanent financing rolls your purchase (or refinance), renovation costs, and permanent mortgage into a single close.
How does the draw schedule work?
Funds are released to your Texas builder at pre-agreed milestones (foundation, framing, mechanical, etc.). Sean coordinates inspections and approvals so draws are released promptly. You only pay interest on funds that have been drawn — not the full loan amount.
Can I combine a construction loan with a physician loan in Texas?
Yes. Physicians building custom homes in Texas can access construction-to-permanent financing with physician loan benefits including favorable DTI treatment for student loans. This is one of Sean's specialties.
Can I include lot purchase in my Texas construction loan?
Yes. If you haven't purchased your Texas lot yet, the single-close loan can include lot acquisition, construction costs, and your permanent mortgage — all in one loan with one closing. If you already own the lot, its equity counts toward your down payment.
What's the typical timeline from application to breaking ground?
Plan for 30-45 days from application to closing. You'll need approved plans, a licensed Texas builder, and a detailed budget. Sean's team works in parallel with your builder to keep the timeline tight. The construction phase itself typically runs 12-18 months.

Ready to plan your Texas build?

90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Get Your Build BudgetBook Strategy Call

Know Texas before you borrow

How closings work in Texas

Title companies run closings statewide, and the seller customarily pays for the owner's title policy. There is no state income tax.

Taxes and transfer costs

With no income tax, property taxes carry more of the load and are higher than most buyers from other states expect. The homestead exemption matters, and the Texas constitution places its own limits on home-equity and cash-out lending that do not exist elsewhere.

Insurance that shapes the file

Hail and wind drive premiums across the state; coastal counties rely on the Texas Windstorm Insurance Association for wind coverage and often need flood insurance too.

Where people are buying

Houston · Dallas–Fort Worth · Austin · San Antonio · the Rio Grande Valley. First-time and lower-down-payment programs run through the Texas Department of Housing and Community Affairs (TDHCA).

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Texas →

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