Construction Loans Ground Up in Lubbock County Texas
Construction loans ground up in Lubbock County Texas provide builders, developers, and investors with fast and flexible financing to complete new construction projects. Whether you’re building in Lubbock, Shallowater, or Wolfforth, our programs help you move efficiently from land acquisition to completion.
Loan Program Overview
Our ground-up construction loans cover both land acquisition and construction costs. Hard Money Fix and Flip Loans has funded over 1,000 projects across Texas, supporting builders and developers.
Key Loan Features:
- Up to 85–90% Loan-to-Cost (LTC)
- Interest-only payments during construction
- Draw schedules based on milestones
- Close in 7–14 business days
- No income documentation required
- Flexible underwriting
How to Qualify
- Construction plans and budget
- Builder experience
- After Repair Value (ARV)
- Exit strategy
Fast Funding Timelines
- Approval within 24–48 hours
- Close in 7–14 days
- Draws released within 24–72 hours after inspection
Local Lending Experience
We understand Lubbock County’s development trends, permitting timelines, and inspection requirements in areas like Lubbock and Shallowater.
Benefits Over Banks
Faster Approvals
Flexible Underwriting
Finance land + construction
Works for complex projects
No income verification
FAQs
A loan used to finance building a property from land purchase through completion.
Yes, most programs allow both land acquisition and construction costs.
Funds are released in draws based on construction milestones.
Experience is helpful but not always required.
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.