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Construction Loans

Build your dream home

Construction Loans

Build your dream home

A loan to finance the building of your new home

Start Your Application

Looking to build your dream home in Texas? We can simplify the process with a United Texas Construction Loan:

  • Flexible terms with fixed and adjustable rate options
  • Offering Interest Only payments with terms between 12-18 months
  • One or Two-Time closing options available

Our friendly loan experts are here to guide you through every step. With great rates and a hassle-free process, we make getting a construction loan as exciting as designing your future home. Let’s build something amazing together!

Your Home Loan Toolkit
Mortgage Resources from the CFPB

Rates & Calculator

Loan Calculator

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Rate (APR)
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Enter your loan details to see your repayment information

Disclaimer: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their applicability or accuracy in regards to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Total paymentTotal interest
* Due to frequent market changes, please contact us for rate quotes.
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We’re Here to Help!

When it comes to buying a home, whether existing or custom-built, it’s crucial to make informed decisions and consider long-term commitments. Take your time and consult with a trusted realtor. Visit any of our locations or call 1-800-531-8456 to explore financing options. Our dedicated home loan team is ready to assist, answer questions, and support you every step of the way through the home-buying journey.

* United Texas CU is a lender licensed under the National Mortgage Licensing System and Registry under registration number 516820.

Frequently Asked Questions

We offer three options:

One-Time Close Construction – Combines the construction loan and final mortgage into one loan, saving the time and money associated with a second closing.

Two-Time Close Construction – Uses two separate closings with two separate sets of closing documents, allowing an opportunity to change to a lower rate once construction is complete. This option is more change-order-friendly.

Renovation Loan – Allows the borrower to put repair and renovation costs into the mortgage loan.

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