Ground Up Construction Loans in Harris County Texas
Fix and Flip Loan Texas provides fast, flexible ground up construction loans in Harris County Texas. We help real estate investors, builders, and developers finance projects from land acquisition through completion. With over 1,000+ projects funded, our team understands local permitting, zoning, inspections, and construction timelines.
Loan Program Overview
Ground up construction loans are designed to finance new construction projects from the purchase of land to final build completion. These loans are structured with staged draw disbursements based on construction progress.
Loan Program:
- Land acquisition and construction
- Up to 85–90% LTC
- Residential and commercial development
- Short-term investment strategies
How to Qualify
- Strong project scope and budget
- Clear exit strategy
- Investment property (non-owner occupied)
- Experience preferred but flexible
Property Types Eligible
- Single-family construction
- Multi-family projects
- Mixed-use developments
- Commercial properties
Fast Funding Timelines
- Initial funding at closing
- Draws within 24–72 hours after inspections
- Final disbursement upon completion
Local Lending Experience
We understand local permitting, inspection timelines, contractor coordination, and development requirements in Houston, Pasadena, and Katy. Our team helps ensure projects stay on schedule and within budget.
Benefits Over Banks
Rehab and construction funding included
Finance distressed properties
Flexible project approvals
Faster closings
No Income Docs Required
Serving Real Estate Investors Across Texas
We serve investors across Texas and are trusted in markets from Denver to Texas Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, and Greeley.
FAQs
A loan used to finance building a property from land purchase through completion
Most construction loans close within 7–14 business days.
No, these loans are asset-based and focus on the property and project.
Funds are released in stages based on inspections and project progress.
Experience is preferred but not required depending on the strength of the deal.
Yes, we serve investors throughout Texas, including Harris County.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario to receive same-day feedback and get started on securing the funding you need.