Construction Loans Ground Up in Cameron County Texas
Ground up construction loans in Cameron County, Texas are designed for real estate investors and developers who need reliable capital from land acquisition through full construction completion in coastal and border markets.Hard Money Fix and Flip Loans has funded 1,000+ real estate investment projects across Texas, helping builders and developers execute projects efficiently with predictable funding timelines.
Loan Program Overview
Cameron County — including Brownsville, Harlingen, and South Padre Island — presents strong opportunities for new construction driven by tourism, rental demand, and cross-border economic growth.
- Loan Terms: 9–24 months
- Interest-only payments
- Up to 85% Loan-to-Cost (LTC)
- Up to 70% After Repair Value (ARV)
- Draw-based construction funding
- Close in 7–14 business days
How to Qualify
- Non-owner occupied investment or development property
- Land ownership or executed purchase contract
- Detailed construction plans and scope of work
- Project budget and build timeline
- Exit strategy (sale, refinance, or hold)
Property Types Eligible
- Ground-up single-family homes
- Vacation rental developments
- Build-to-rent communities
- Small multi-family construction
- Mixed-use and light commercial builds
Fast Funding Timelines
- Submit your deal scenario
- Receive same-day indicative terms
- Underwriting completed within 24–48 hours
- Close in as little as 7–14 business days
Local Lending Experience
We actively fund construction projects across Brownsville, Harlingen, San Benito, and South Padre Island. Coastal construction requires careful planning around flood zones, elevation requirements, windstorm standards, and corrosion from salt air. We help investors incorporate these factors into budgets and timelines. Tourism demand and short-term rental growth make new construction projects particularly attractive in areas near South Padre Island.
Benefits Over Banks
Faster approvals and disbursements
Expertise with distressed or complex properties
Flexible terms and interest-only options
Financing for rehab and short-term investment projects
No Income Docs Required
Serving Areas Across Texas
Trusted in neighborhoods from Denver to Texas Springs.
FAQs
Most loans close within 7–14 business days.
Yes, both land acquisition and construction can be financed.
Funds are released within 24–72 hours after inspection.
Get Started Today
Apply now for fast approval! Speak to a local Texas lending expert today and get your deal funded quickly. Submit your deal scenario for same-day feedback and take the first step towards securing the funding you need.