Building Dreams Into Realities
Smarter Construction Loans
Flexible financing for Borrowers, Brokers & Builders ready to build better.
"Let me take this opportunity to express my deep appreciation to Construction Financial for making this such a positive experience for myself and my wife. Beth has been absolutely FANTASTIC and provided guidance and great customer support during this process. You have a very satisfied customer!!!"
About us
About us
About us
Navigate Your Build With Confidence
At Construction Financial Solutions (CFS), we take the guesswork out of construction lending. Whether you’re managing your own build, funding a spec project, or guiding a client through their dream home journey, our loan programs are designed to move at your pace—with the flexibility and support you deserve.
Services
Services
Services
Who We Help
Construction loans aren’t one-size-fits-all. That’s why we customize lending solutions for:
Brokers
Close more deals with better products. Offer your clients proven construction loan options with fast approvals and dependable processing — so you look like the hero every time.
Builders
Reliable funding for every phase. We know your timelines matter. Get a financing partner who moves at your pace with transparent draws, timely inspections, and clear payments.
Borrowers
Build your dream home without the stress. Whether you’re a first-time owner-builder or ready to upgrade your forever home, we’ll guide you through financing from land purchase to final lock-up, making sure you understand every step of the process.
Brokers
Close more deals with better products. Offer your clients proven construction loan options with fast approvals and dependable processing — so you look like the hero every time.
Builders
Reliable funding for every phase. We know your timelines matter. Get a financing partner who moves at your pace with transparent draws, timely inspections, and clear payments.
Borrowers
Build your dream home without the stress. Whether you’re a first-time owner-builder or ready to upgrade your forever home, we’ll guide you through financing from land purchase to final lock-up, making sure you understand every step of the process.
Brokers
Close more deals with better products. Offer your clients proven construction loan options with fast approvals and dependable processing — so you look like the hero every time.
Builders
Reliable funding for every phase. We know your timelines matter. Get a financing partner who moves at your pace with transparent draws, timely inspections, and clear payments.
Borrowers
Build your dream home without the stress. Whether you’re a first-time owner-builder or ready to upgrade your forever home, we’ll guide you through financing from land purchase to final lock-up, making sure you understand every step of the process.
Our work
Our work
Our work
Why Choose CFS
Why Choose Construction Financial Solutions?
Not all lenders understand construction. We do.
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Funded
Over 500 projects funded across Texas and the U.S
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Funded
Over 500 projects funded across Texas and the U.S
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Funded
Over 500 projects funded across Texas and the U.S
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Years of Experience
in construction lending
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Years of Experience
in construction lending
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Years of Experience
in construction lending
0X & 2X
0X & 2X
Close Options
that match your budget and timeline
0X & 2X
0X & 2X
Close Options
that match your budget and timeline
0X & 2X
0X & 2X
Close Options
that match your budget and timeline
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Client satisfaction
from start to finish
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Client satisfaction
from start to finish
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Client satisfaction
from start to finish
Explore Your Construction Loan Options
From first-time builds to seasoned developers, we’ve got a solution that fits:
Owner-Builder Loans
Self-manage your home build with expert guidance and support.
Borrowers
4 weeks
Owner-Builder Loans
Self-manage your home build with expert guidance and support.
Borrowers
4 weeks
Owner-Builder Loans
Self-manage your home build with expert guidance and support.
Borrowers
4 weeks
Spec Home Loans
Designed for builders constructing without a buyer in place.
Brokers
1 month
Spec Home Loans
Designed for builders constructing without a buyer in place.
Brokers
1 month
Spec Home Loans
Designed for builders constructing without a buyer in place.
Brokers
1 month
1X Close vs 2X Close
Choose the loan type that best aligns with your cash flow, timeline, and goals.
Builders
6 weeks
1X Close vs 2X Close
Choose the loan type that best aligns with your cash flow, timeline, and goals.
Builders
6 weeks
1X Close vs 2X Close
Choose the loan type that best aligns with your cash flow, timeline, and goals.
Builders
6 weeks
Private Lending Options
Access flexible capital when traditional banks can’t deliver.
Brokers
1 month
Private Lending Options
Access flexible capital when traditional banks can’t deliver.
Brokers
1 month
Private Lending Options
Access flexible capital when traditional banks can’t deliver.
Brokers
1 month
Lot & Land Loans
Secure the land today, and finance the build when you’re ready.
Builders
6 weeks
Lot & Land Loans
Secure the land today, and finance the build when you’re ready.
Builders
6 weeks
Lot & Land Loans
Secure the land today, and finance the build when you’re ready.
Builders
6 weeks
Start Building in 3 Simple Steps
From first-time builds to seasoned developers, we’ve got a solution that fits:
Book a Free Consultation
Schedule time with a loan specialist who understands construction.
Borrowers
4 weeks
Get Matched With a Loan Specialist
Receive tailored guidance and clear options for your project.
Borrowers
4 weeks
Secure Your Custom Financing Plan
Get approved quickly and move forward with confidence.
Borrowers
4 weeks
Testimonials
Testimonials
Testimonials
What Clients Say About Us
Real feedback from real builders and borrowers:
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
"CFS helped me go from raw land to move-in ready without missing a beat."
Angela R., Owner-Builder | Waco, TX
“As a broker, I need fast, reliable loan options for my clients. CFS has been my go-to for years.”
James T., Mortgage Broker | Dallas, TX
“Construction timelines are tough enough—CFS made financing the easiest part of the project.”
Maria L., Builder | Austin, TX
FAQs
FAQs
FAQs
Construction Loans Made Simple
Construction Loans Made Simple
Construction Loans Made Simple
Explore our most popular loan types:
Explore our most popular loan types:
Explore our most popular loan types:
Are there different types of Builder Contracts?
Yes! A Builder's Contract will either list one base cost for construction of the home [Fixed-Price] or will include an estimate for costs plus a flat Builder's fee as either a number or percentage [Cost-Plus]: FIXED-PRICE: Vendors [materials] and Subcontractors [labor] are either paid by the Builder who then submits a draw request for reimbursement, or are paid directly by CFS. Builder’s Administrative Fees and Profit are included in the set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Builder and will not be funded by CFS unless shortages in the budgeted line items can be applied to other areas of construction or paid to the Builder as project management fees. The budget is not shared with the Homeowner. COST-PLUS: Vendors and Subcontractors are paid directly by CFS or as reimbursements to the Builder or Homeowner. Builder obtains Administrative Fees and Profit either based on a percentage of the home’s cost or a set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Homeowner and will not be funded through CFS unless shortages in the budgeted line items can be applied to other areas of construction. The budget is shared with the Homeowner.
How can the Builder be approved with CFS?
CFS will require the Builder complete a Profile. CFS will contact the Builder's previous clients to ensure they were happy with their experience, yet CFS does not review a Builder for quality or become involved with contract negotiations. It is the Homeowner’s responsibility to perform due diligence on the Builder to ensure they are satisfied the Builder has experience, financial integrity and stability to complete the improvements agreed upon by the Homeowner and Builder.
What is a draw?
A draw is a request to have funds disbursed from the construction loan. The disbursements are intended to cover specific expenses incurred during the construction of the home. These items correspond to the items listed in the Builder's Construction Budget.
How do I request a draw?
A Construction Draw and Disbursement Schedule may be included in the Builder's Contract. Click HERE for the complete Draw Disbursement Instructions.
Is the Homeowner's Draw Approval Required?
CFS does not require draw requests be approved by the Homeowner prior to processing, as the level of Homeowner involvement in the construction varies with each loan. It is an agreement between the Builder and Homeowner if Homeowner draw authorization is required prior to processing.
Are there different types of Builder Contracts?
Yes! A Builder's Contract will either list one base cost for construction of the home [Fixed-Price] or will include an estimate for costs plus a flat Builder's fee as either a number or percentage [Cost-Plus]: FIXED-PRICE: Vendors [materials] and Subcontractors [labor] are either paid by the Builder who then submits a draw request for reimbursement, or are paid directly by CFS. Builder’s Administrative Fees and Profit are included in the set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Builder and will not be funded by CFS unless shortages in the budgeted line items can be applied to other areas of construction or paid to the Builder as project management fees. The budget is not shared with the Homeowner. COST-PLUS: Vendors and Subcontractors are paid directly by CFS or as reimbursements to the Builder or Homeowner. Builder obtains Administrative Fees and Profit either based on a percentage of the home’s cost or a set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Homeowner and will not be funded through CFS unless shortages in the budgeted line items can be applied to other areas of construction. The budget is shared with the Homeowner.
How can the Builder be approved with CFS?
CFS will require the Builder complete a Profile. CFS will contact the Builder's previous clients to ensure they were happy with their experience, yet CFS does not review a Builder for quality or become involved with contract negotiations. It is the Homeowner’s responsibility to perform due diligence on the Builder to ensure they are satisfied the Builder has experience, financial integrity and stability to complete the improvements agreed upon by the Homeowner and Builder.
What is a draw?
A draw is a request to have funds disbursed from the construction loan. The disbursements are intended to cover specific expenses incurred during the construction of the home. These items correspond to the items listed in the Builder's Construction Budget.
How do I request a draw?
A Construction Draw and Disbursement Schedule may be included in the Builder's Contract. Click HERE for the complete Draw Disbursement Instructions.
Is the Homeowner's Draw Approval Required?
CFS does not require draw requests be approved by the Homeowner prior to processing, as the level of Homeowner involvement in the construction varies with each loan. It is an agreement between the Builder and Homeowner if Homeowner draw authorization is required prior to processing.
Are there different types of Builder Contracts?
Yes! A Builder's Contract will either list one base cost for construction of the home [Fixed-Price] or will include an estimate for costs plus a flat Builder's fee as either a number or percentage [Cost-Plus]: FIXED-PRICE: Vendors [materials] and Subcontractors [labor] are either paid by the Builder who then submits a draw request for reimbursement, or are paid directly by CFS. Builder’s Administrative Fees and Profit are included in the set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Builder and will not be funded by CFS unless shortages in the budgeted line items can be applied to other areas of construction or paid to the Builder as project management fees. The budget is not shared with the Homeowner. COST-PLUS: Vendors and Subcontractors are paid directly by CFS or as reimbursements to the Builder or Homeowner. Builder obtains Administrative Fees and Profit either based on a percentage of the home’s cost or a set fee and are paid by CFS dependent upon the progression of completion of the home. Any overages in the budgeted line items for construction are the responsibility of the Homeowner and will not be funded through CFS unless shortages in the budgeted line items can be applied to other areas of construction. The budget is shared with the Homeowner.
How can the Builder be approved with CFS?
CFS will require the Builder complete a Profile. CFS will contact the Builder's previous clients to ensure they were happy with their experience, yet CFS does not review a Builder for quality or become involved with contract negotiations. It is the Homeowner’s responsibility to perform due diligence on the Builder to ensure they are satisfied the Builder has experience, financial integrity and stability to complete the improvements agreed upon by the Homeowner and Builder.
What is a draw?
A draw is a request to have funds disbursed from the construction loan. The disbursements are intended to cover specific expenses incurred during the construction of the home. These items correspond to the items listed in the Builder's Construction Budget.
How do I request a draw?
A Construction Draw and Disbursement Schedule may be included in the Builder's Contract. Click HERE for the complete Draw Disbursement Instructions.
Is the Homeowner's Draw Approval Required?
CFS does not require draw requests be approved by the Homeowner prior to processing, as the level of Homeowner involvement in the construction varies with each loan. It is an agreement between the Builder and Homeowner if Homeowner draw authorization is required prior to processing.