Construction Loan Lenders in Austin, TX
Austin MSA
These construction loan lenders work with homeowners building their own custom home in the Austin area — owner-occupied financing, not investor or spec-build projects.
City of Austin permits
Inside the city, Austin Development Services' Residential Plan Review Division reviews new single-family homes. Projects are checked against Chapter 25-2 of the Land Development Code, the 2024 International Residential Code, and local technical amendments in Chapter 25-12.
Septic systems in Austin Water's jurisdiction
Austin Water permits on-site sewage facilities, commonly called septic systems, inside its jurisdiction. A new system needs a permit from that office. If you remodel a house that already has a septic system, Austin Water says its approval is required before Austin Development Services can issue the building permit. Add that step to the loan timeline when the lot is not on sewer.
Wildfire proximity zones
Austin's Wildland-Urban Interface Code uses three proximity zones. Zone A is 50 feet or closer to wildland. Zone B is more than 50 feet and up to 150 feet. Zone C extends up to 0.5 mile from 40 or more acres of wildland, or up to 1.5 miles from 750 or more acres. Basic requirements for every zone include a five-foot noncombustible ember ignition zone around the structure. Zones A, B, and C each require a Class A roof covering. Ignition-resistant materials are added on top of those basics, and the details change by zone. Check the city's wildland-urban interface page, which links the interactive map, before you price a build.
ETJ and unincorporated Travis County
Land outside a city's corporate limits, including a city's extraterritorial jurisdiction, needs a Travis County Basic Development Permit. The application is filed through MyPermitNow. In an extraterritorial jurisdiction, also check with the city about its own permits. Texas Local Government Code §42.102 lets a resident of an area, or the owners of a majority in value of the land, petition the city to release that area from its extraterritorial jurisdiction. Check floodplain status on the FEMA Flood Map Service Center.
Sources
- City of Austin, Residential Plan Review
- Austin Water, On-Site Sewage Facilities
- Austin Fire, Wildland-Urban Interface Code
- Travis County, Environmental Review of Development Proposals
- Texas Local Government Code §42.102
- FEMA Flood Map Service Center
Related guides
We can still match you with a construction loan specialist.
There is no featured listing in the Austin area yet. Share a few project details and we will connect you with a construction loan specialist. Free, no obligation.
Construction financing in the Austin area can involve land, builder approval, and a staged draw schedule.
Are you a loan officer in this market? Feature your listing here
Frequently asked questions
Are these construction loan lenders for homeowners or investors?
This page is for homeowners planning to build a custom home to live in (owner-occupied). It is not for investor, rental, or speculative (spec) build financing.
How do I get matched with a construction loan lender in Austin?
Share a few details about your project and we will connect you with a construction loan specialist. The match is free, with no obligation.