Build on Your Lot Custom Home Builder – Serving Texas, Arkansas, SW Missouri & East Oklahoma – Ask About Our No Construction Loan.

Financing

$0 Down. No Payments During Construction.

We partner with trusted lenders who specialize in construction-to-permanent loans - making it possible to build your dream home with zero out-of-pocket cost during the build.

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Call (830) 626-3030
How We Make It Simple

Financing That Works for You

Traditional construction loans are complicated – they require separate closings, interest payments during the build, and large down payments. We’ve eliminated all of that.

Our lending partners specialize in construction-to-permanent financing designed specifically for custom home builds on your land. One loan, one closing, and predictable terms from day one.

Southwest Homes financing consultation
$0
Down Payment
Step by Step

Getting Financed in 4 Simple Steps

From your first conversation to loan approval, our team guides you through every step so there are no surprises.

Talk to Us First

Contact your nearest Southwest Homes office. We'll discuss your goals, budget, and land situation - no commitment required.

Get Pre-Qualified

We connect you with a trusted lending partner who reviews your financial profile and provides a pre-qualification in as little as 24 hours.

Lock In Your Loan

Once you've selected your plan and finalized your home details, your lender locks in your rate and terms with one simple closing.

Build with Confidence

Construction begins. You make zero payments during the build. Your first mortgage payment starts after you move in.

Financing FAQ

Common Questions

Financing a custom home build is different from buying an existing house. Here are the answers to what most people ask first.

See All FAQs
No. Our lending partners work with a range of credit profiles. While better credit typically means better rates, you don’t need perfect credit to get started. The best first step is a conversation with our team.
Traditional construction loans require interest payments during the build and a second closing to convert to a permanent mortgage. Our lenders offer a single construction-to-permanent loan – one closing, one set of terms, and no payments until your home is complete.
With approved credit, $0 down is available. Some buyers choose to put money down to reduce monthly payments, but it’s not required. Your lender will walk you through all the options based on your specific situation.
Not necessarily. Many of our financing partners can include the land purchase in your construction loan. Contact us to discuss your situation – we work with buyers at every stage of the land process.
Pre-qualification can happen in as little as 24 hours. Full loan approval typically takes 2-4 weeks depending on your situation and documentation. Your lender will give you a clear timeline upfront.
Take the First Step

Your Dream Home is More Affordable Than You Think

A quick conversation with our team is all it takes to find out what's possible. No obligation, no pressure - just real answers about financing your custom home.

Get Your Free Custom Home Quote

Tell us where you want to build and we'll match you with your local team. No pressure, just honest answers.

What happens next?

Your SWH representative will reach out to schedule a free site evaluation - no commitment required.

Your information is never shared or sold.

4.8
Google Rating
3,000+
Homes Built
25+
Years Experience
Ready to Start?

Your Land. Your Vision. Let's Build It.

Talk to a real builder - not a call center. Get honest answers about your land, your plan, and your price. Free consultation, zero pressure.

Get My Free Consultation
Call (830) 626-3030