Top Notch Build™ is our construction financing program designed to help you finance the land, the build, or both.
*Lot + construction, based on the lesser of loan-to-cost or loan-to-value.
Whether you're buying a lot today, already own your land, or have plans ready to go, we'll help you structure the financing and guide you through the construction loan process.
Not ready to build yet? Finance the lot now and give yourself time to finalize your plans. Choose a 12-month interest-only option or a longer-term principal and interest structure.
Explore Lot Financing →Have your plans ready? Top Notch Build™ can combine the lot purchase and interim construction financing into one streamlined closing, helping simplify the process and reduce duplicate closing costs.
*Financing is available up to 85% based on the lesser of loan-to-cost or loan-to-value.
Start My Top Notch Build™ →Already own the homesite? Bring us your plans, builder information and project budget. We'll help you determine how your land and project can fit into your Top Notch Build™ financing strategy.
Review My Build →You don't have to figure out the construction loan process on your own. Brad or Buddy will walk you through the documentation needed to get your project reviewed.
Get My Construction Game PlanTypical items include:
Program terms and guidelines subject to change. Loan approval is subject to credit, collateral, income, documentation and applicable underwriting requirements.
Program guidelines as of October 2026 and subject to change without notice. All loans subject to credit approval, underwriting and property eligibility. Not all applicants will qualify. This is not a commitment to lend.
Yes. Lot financing is available up to 75% with 25% down. You can choose a 12-month interest-only option or a longer-term principal and interest structure while you finalize your plans.
We look at two numbers: the total cost of the project (lot plus construction) and the appraised value of the finished home. Financing is based on whichever is lower, up to 85%.
The construction loan is short-term interim financing for the build. When the home is complete, it is typically paid off with a permanent mortgage, and we can help you line up that permanent financing too.
Yes. We will need a construction contract with the builder's cost estimate, plans and specifications, and the builder's contact information.
Your land and its value can be an important part of your financing strategy. Bring us your plans, builder information and budget and we will show you how your project can be structured.
Lot loans carry a 1.00% origination fee and interim construction loans a 0.50% origination fee. Other closing costs vary by project; we will walk you through all of them before you apply.
Tell Brad or Buddy about your land, your plans and your budget.
Call or text either of us directly:
Brad 512-269-5278 · Buddy 512-595-6220
Ready to apply? Start your application
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