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Construction Loans

Don't Just Dream It. Build It!
Get Started

Construction Loans

Don't Just Dream It. Build It!
Get Started

Can't Find the Perfect Home to Buy? Build It.

When the perfect home isn’t available, why not build it—and ANBTX is here to help you do just that. Whether you’ve already found your lot or are just starting to sketch out your vision, our construction financing options can turn your blueprint into reality. As your North Texas community bank, we offer competitive rates, flexible terms, and trusted local expertise to guide you through every phase of the homebuilding process.

Explore two great options—designed to fit your needs, your timeline, and your goals.

One-Time Close Construction Loan

Prefer simplicity and predictability? Our One-Time Close Construction Loan combines both construction and permanent financing into a single application, approval, and closing—saving time and money.

Why Choose One-Time Close?

  • One application, one approval, one closing
  • Lock in your permanent rate upfront, before construction begins
  • Interest-only payments during construction
  • Automatically converts to a fixed-rate or ARM mortgage upon completion
  • Loan amounts up to $2.15 million (with jumbo options available)
  • Up to 95% loan-to-value (LTV) for qualified borrowers
  • Up to 18 months to complete construction

This streamlined solution minimizes paperwork and uncertainty, helping you move from foundation to front door with confidence.

Interim Construction Loan

If you’re ready to break ground but want to keep your permanent financing options open, our Interim Construction Loan provides short-term funding just for the build.

Interim Construction Loan Features:

  • Interest-only payments during construction, based on amount drawn
  • Flexible funding up to $2.25 million (based on property value and loan-to-value ratio)
  • Up to 18 months to build, with optional extensions
  • Customizable terms for primary and second homes
  • Approved builder required; inspections required for each draw
  • Available for conforming and jumbo loans, with tailored credit and reserve requirements

This option is ideal for borrowers who plan to secure separate permanent financing at a later date, giving you the flexibility to finish your build and then refinance on your terms.

Let’s Break Ground

Whether you’re building a big house or a bungalow for two, our team of local mortgage experts is ready to guide you through every step of the financing. Let’s bring your vision to life—with the right construction loan from ANBTX.

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Man and daughter getting home mortgage.