Home/Financing
Get approved for your project. Free.
Whether it is a ground-up home or a kitchen remodel, we point you to the right financing and help you get approved before the work starts, at no cost. Two paths, one place to start.
Pick the path that fits the project.
Construction loans
New custom homes, barndominiums and additions are funded with a construction loan that releases money in stages and converts to a mortgage at the end. We connect you with preferred lenders who do these every day, and we build the plans, budget and schedule they need.
How construction loans work →Home-improvement financing
For remodels, patios, pools, windows, roofing and other service work, our partner Acorn Finance lets you pre-qualify in minutes and spread the cost over fixed monthly payments. Checking your rate does not affect your credit.
Pre-qualify with Acorn Finance →Start here. We match you to the right lender.
Tell us about the project and we point you to financing that fits, a construction lender for a build, or our partner Acorn Finance for a remodel or smaller job. No cost, and it does not affect your credit to check.
Brixton Development is a builder, not a lender or financial advisor. Approval, rates and terms come from the lender you choose. Prefer to talk first? Call or text (832) 479-1850, Mon-Fri 9 AM - 5 PM.
Construction loan, then mortgage.
A construction loan funds the build in stages. When the home is finished it converts, or refinances, into a regular mortgage.
Approval
The lender approves you and the project: your credit and income plus our plans, budget and schedule.
Draws
Money is released at milestones (foundation, framing, dry-in, finish) after the lender's inspector confirms the work.
Interest only
During construction you typically pay interest only on what has been drawn, not the full loan.
Conversion
At completion the loan converts to a permanent mortgage. One-time-close loans do this without a second closing.
Have these ready and the process moves fast.
- Two years of income history (tax returns, W-2s or business returns)
- Credit history and current debts
- Down payment or equity in the land you already own
- Deed or purchase contract for the lot
- Builder contract, plans and a line-item budget (we provide these)
- A construction schedule (we provide this too)
Land you already own usually counts toward your down payment. That is one of the biggest financial advantages of building on your lot.
Lenders who do construction loans every day.
Not every bank does construction lending, and the ones that do it occasionally can slow a build down with draw delays. We work with trusted lending partners who specialize in construction and land loans in the Houston area, and we walk you through what they will ask before you apply. You choose the lender. We make sure the builder side of the file is complete.
Ask about financing →The three you will hear about.
| Loan | What it is | Good for |
|---|---|---|
| Construction-to-permanent (one-time close) | One loan that funds the build and converts to a mortgage at completion, with one closing. | Most owner-occupied custom builds |
| Stand-alone construction loan | Short-term loan for the build only; you refinance into a mortgage at the end. | Buyers who want to shop the permanent loan later |
| Land or lot loan | Finances the purchase of the lot before you are ready to build. | Buying acreage now, building in a year or two |
Brixton Development is a builder, not a lender or financial advisor. Loan terms come from the lender you choose.
Common questions
What is a construction loan?
A construction loan is a short-term loan that funds the build. Money is released in stages (draws) as construction hits milestones, and once the home is complete the loan is typically converted into a traditional mortgage. We work with lending partners who specialize in these loans.
Can Brixton Development help with financing?
Yes. We work with trusted lending partners who specialize in construction loans and home-build financing, and we walk you through what lenders will ask for before you apply.
What should I do before building a home?
Get clear on three things: your budget, your financing, and your lot conditions. The earlier you talk to a builder the fewer surprises you get later, because those three things shape every decision that follows.
How much does it cost to build a house in the Houston area?
Custom home construction in the Houston area generally runs from about $150 to $300 or more per square foot. Where you land depends on the level of customization, materials and finishes, site work, utilities and permitting. Our cost guide breaks it down.
Not sure what you qualify for?
Start with a conversation. We will tell you what the build side looks like and point you to lenders who can answer the rest.
Serving Porter, Kingwood, Humble, Atascocita, New Caney, Splendora, Conroe, Spring, The Woodlands, Huffman, Dayton, Cleveland, Houston · Mon-Fri 9 AM - 5 PM