Homeowner considering a cash out refinance

Construction Financing in Southlake, TX

Building a home gives you total control over design, location, and lifestyle—but it also requires the right kind of financing. At Assurance Home Loans, we guide Southlake-area buyers through the construction loan process from blueprints to move-in day.

What Is Construction Financing?

A construction loan is short-term financing used to cover the cost of building a new home. Once construction is complete, it’s typically converted into a long-term mortgage. We offer flexible solutions to fund the build, protect your timeline, and simplify the transition to permanent financing.

Types of Construction Loans We Offer

Construction-to-Permanent Loans – One closing, two phases: build now, convert later
Stand-Alone Construction Loans – Separate loans for construction and long-term mortgage
Owner-Builder Loans – For experienced builders managing their own project
Lot Loans – Finance land purchase prior to construction
Renovation Loans – For major structural improvements on existing properties

Who Should Consider Construction Financing?

Buyers building a custom home
Homeowners doing major renovations or teardowns
Individuals purchasing land and planning a future build
Investors developing a single-family or multi-unit property
Families who want to stay in control of layout, materials, and finishings

How Our Construction Financing Works

Consultation & Builder Review – We evaluate your plans and the builder’s credentials
Project Budget & Loan Structure – Create a realistic funding plan with draw schedules
Loan Approval & Closing – Funds released in stages as the build progresses
Inspection & Draws – Property inspected before each disbursement
Conversion or Payoff – Roll into a mortgage or refinance upon completion

Build Smart with the Right Lending Partner

Experience with complex construction financing
Relationships with trusted builders and appraisers
Guidance through every stage—no guesswork
Help structuring interest-only payments during build
Southlake-based service with national options

Let’s Lay the Foundation for Your Dream Home

Whether you’re building from the ground up or taking on a major renovation, we’ll help you get the financing to bring your vision to life. Let’s talk timelines, terms, and next steps.

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Construction Loan FAQs

Can I get one loan for both construction and long-term financing?

Yes—construction-to-permanent loans offer one approval, one closing, and a smoother process.

How do construction loan payments work?

You typically make interest-only payments on the funds that have been drawn. Full payments begin after the build is complete.

What do I need to qualify for a construction loan?

You’ll need strong credit, a qualified builder, detailed plans, and a solid budget. We’ll help guide you through every requirement.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.