Construction Loans
Designing and building your own home gives you the freedom to create a space that perfectly suits your lifestyle. With Capital Farm Credit’s construction loans, you can finance every step of the process — from securing land to completing the final details of your custom build. Our flexible financing solutions allow you to choose your ideal location, personalize your home’s design and invest in a space built to meet your long-term needs. Whether you’re building in a rural area, a quiet neighborhood or a scenic ranch, we’re here to help bring your vision to life.
Why Finance Your Construction With Capital Farm Credit?
Local Lending Expertise
Our lenders live and work in rural Texas communities. They bring deep knowledge of the local landscape — and the unique needs of rural construction projects.
Builder of Your Choice
You choose the builder that’s right for you. We’ll coordinate directly with them to support your vision from start to finish.
Interest-Only During Construction
Enjoy interest-only payments for up to 12 months to maintain financial flexibility while your home is being built.
Barndominiums & Beyond
Finance the type of home that fits your lifestyle — including barndominiums, traditional site-built homes, or modular options.
One-Time Close Loans
Simplify the process with a one-time close loan that combines construction and permanent financing into a single solution.
Fixed- and Adjustable-Rate Options
Choose the rate structure that aligns with your goals — predictable payments or greater flexibility.
Land + Build Financing
Purchase land and build your home, or leverage the equity in your existing land to increase your financing power.
Renovation and Additions
Finance home improvements, additions, or expansions to enhance your current property.
Conventional and Government-Backed Loans
Access a variety of financing options, including VA, FHA, USDA, and conventional construction loans.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? Contact your Homesite Loan Specialist, who will guide you through the application process and answer any questions you may have.
Loan Payment Calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
View Loan Calculator
Frequently Asked Questions
A typical construction loan combines short-term construction financing with a permanent mortgage, usually over a 30-year term, with interest-only payments during construction. The construction period typically lasts up to 11 months, after which the borrower transitions to principal and interest payments.
Yes, a comprehensive construction plan is required, including a detailed budget, timeline and contractor agreements. This ensures the project stays on track and funds are disbursed appropriately.
The land and future home typically serve as collateral. Additional assets may be required depending on the loan amount and borrower qualifications.
Yes, some construction loans can include both land acquisition and building costs. However, if you are purchasing land with plans to build later, a homesite or land loan may be a better option.
A construction loan funds the building process, covering materials, labor and other expenses. A land loan finances undeveloped property, which may be used for future construction, agriculture or recreation.
Funds are disbursed in phases, known as draws, based on the progress of construction. Borrowers request draws as specific milestones are completed, ensuring funds align with project needs.
Yes, we offer financing for barns, workshops, barndominiums, metal homes and other agricultural structures. Our construction loans are designed to support both residential and agricultural projects.
Our dedicated Home Loan Specialists are here to guide you every step of the way, helping you find, finance and build your dream home or ranch with confidence.
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