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“9-month construction phase with one-time option for 3-month extension”

“One Time Close construction offers a single closing to finance both the construction of your house and the permanent financing. The cost of land can also be financed if you do not already own it. Already own your lot or land? We have a loan for you, too.”

“Construction Loan”

“If you’re planning to build or rebuild a home, a Texans Construction Loan 1 offers personalized options, competitive rates, and terms that work for your budget: Loan amounts up to $766,550 9-month construction phase with one-time option for 3-month extension Interest-only payments during construction phase Let us help you make your dream home a reality!”

“Float Down Option Available if requested within 15-days of completed construction”

“Interest-only payments during construction phase”

“We've provided some additional information to help determine if a construction loan is right for you: Fully executed fixed price contract with state license builder required Proposed Draw Schedule Program allows for 5 draws Float Down Option Available if requested within 15-days of completed construction Copy of deed required if land is owned free and clear Ready to get started? Click the link below to talk to a representative about your construction loan! Get Started Check out Texans' Lot Loans to help you finance your dream location. Lot Loans Membership Required. Loans are subject to credit and property approval. 1. Texans CU one-time close construction program is available on all purchase or limited cash out refinance (LCOR) applications for a primary residence or second home using a conventional construction loan with Texans Credit Union. Eligible for new construction on 1-unit single family or detached PUD properties located in Texas only. Construction may not begin prior to closing, including footing/foundation work. Maximum construction loan period is 9 months (270 days) with option for one-time extension of 3 months (90 days). Once construction is complete, final inspection has cleared, and certificate of occupancy (CO) has been received, the loan automatically converts from construction to the permanent 30-year term loan. Property insurance is required, including flood insurance where applicable. Private mortgage insurance is required if LTV is over 80% at time of permanent financing. Maximum loan amount is $766,550.00. This is not a commitment to lend. Terms, conditions, and interest rates are determined by the overall creditworthiness of each applicant and are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Texans Credit Union (NMLS ID 530654) provides home loans through Member First Mortgage, LLC. (NMLS ID 149532).”

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“Looking to build? Check out our Construction Loans for the most flexibility. Schedule Appointment (800) 822-0382”

“With a construction, you’re able to wrap your property costs and mortgage into a single loan to pay monthly. A single-closing construction or construction to permanent loan, offers the convenience of combining a new construction loan with a permanent mortgage. Instead of applying for and paying fees and closing costs for two different loans, this option automatically converts to a mortgage when the construction is complete.”

“Combine a construction loan and a permanent mortgage into a single loan avoiding a second set of closing costs.”

“Construction loans are paid out in stages, as your home is being built, typically over the course of a year or less. Truliant members are only responsible for the interest which has accrued on the funds spent up to that stage of construction. When applying for a construction loan, we will ask for a construction timetable, detailed plans of the new home and realistic budgeting. This ensures that we're providing a loan that works for you. We will go over these documents with you to be sure that the costs which the builder has provided is reasonable and that the likelihood for the project to go over budget is minimized.”

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“Equal Housing Lender Rates and terms are subject to change. All loans are subject to credit approval. Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations. Chat with us. Routing Number: 253177832 Security Center Security Center Home Report Fraud Disputing a Charge Fraud and Scams Support Contact Us Claims Center Calculators Digital Banking Learning Center Loan Assistance About Truliant About Us Careers Community and Corporate Social Responsibility Inclusion and Belonging Media Room Truliant Foundation English Spanish Accessibility Agreements & Disclosures Fees Privacy Policy Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender. Copyright © 2026 Truliant Federal Credit Union. All rights reserved. Truliant is a registered trademark of Truliant Federal Credit Union.”

“At Truliant, we realize that every member has unique mortgage needs. If you're interested in land only and want to wait to build your house, we offer land loans . When you're ready to start the process, our Mortgage Loan Officers are here and ready to serve you.”

“We're here for you -- a Truliant Mortgage Loan Officer can answer all your questions and walk you through the entire process.”

“How much will my mortgage payments be? Which is better: fixed or adjustable? How advantageous are extra payments? How much home can I afford? Which is better: 15- or 30-year loan term? How much should I put down for a new home?”

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“We specialize in drafting the right loan for your renovation project, offering competitive rates and terms. A renovation loan might be right for you to start that remodeling project soon. Or use it to upgrade to more energy efficiency and eco-friendly home products.”

“You will need the standard documents as if you were applying for a traditional mortgage, plus some other required information. To qualify for a construction loan or a renovation loan, you will need: Builder’s contract with plans and specifications Good to excellent credit Stable employment and income Funds for down payment and closing costs”

“Your construction loan covers contractor labor, home and roof framing, interior finishing's and landscaping. Furnishings would not be covered.”

“Apply online , at one of our branches or over the phone . We will reach out to you to discuss your loan amount, terms and payment information. Your funds are ready whenever you're ready to start your new build, addition or remodel.”