Construction Loans

construction-loan

We will make your loan decision easier by helping you
choose the financing program that best fits your needs.

Our Construction Loan Services

Building the custom home of your dreams means your future holds many wonder-filled possibilities. Finding the interim construction financing product that best fits your needs should not be one of those wonders.

At The Mortgage Lady, we always say, “Your Custom Home Deserves Custom Home Financing.”

Securing an interim construction loan with The Mortgage Lady gives you the peace of mind you desire, so you can focus on the more important aspects of your custom home build.

Why a Mortgage Lady loan?

Our borrowers have found that we offer specialized construction loan products with unique terms that are not offered by most lenders. We make it easy for you to obtain a make-sense construction loan, and then transition that construction loan to a permanent mortgage after your custom home is complete.

The Mortgage Lady loan advantage for borrowers:

  • Minimal down payment options
  • Cash lot equity counts as down payment
  • Loans up to $1 MIL
  • Credit score requirements that are much lower than standard commercial banks
  • Owner-occupied and Second Home Financing with a single-family home custom build
  • In-house financing for interim and permanent mortgage loan
  • Transparent, up-front underwriting on permanent loan
  • Simultaneous close for lot purchase and interim construction financing

One loan Originator. One borrower. One team. One-stop shop.

Our focus is on providing outstanding customer care and the best mortgage product available for your unique situation. The Mortgage Lady works one-on-one with you throughout the entire process, from loan application to closing the permanent mortgage. No need to juggle multiple loan originators and loan notes from multiple lenders. The Mortgage Lady is your one-stop shop for all your mortgage-lending needs.

Whether you’re looking to build your third custom home or wanting to build your first due to bidding wars and low home inventory, rest assured your decision to go with The Mortgage Lady is a smart choice.

Make-sense solutions for borrowers and builders alike.

The Mortgage Lady is a pioneering leader in the construction-to-permanent mortgage lending. We developed a highly customized construction lending division that provides maximum financing on interim construction loans in the State of Texas and other eligible regions. The Mortgage Lady underwrites and funds its own loans. There is no third-party underwriter to slow the process. Borrowers looking to build the custom home of their dreams are able to get their construction loan faster with the use of The Mortgage Lady’s lower down payment options and the expertise of our construction loan originators.

Builders and the local community benefit from the advantage, too. There is more profit in the builder’s pocket when the borrower secures a low down-payment construction loan at The Mortgage Lady.

Look at the benefits of a loan with The Mortgage Lady for the builder:

  • No retainage hold back
  • Flexible draw schedules
  • Easy builder approval
  • One loan originator, one relationship, one servicer from interim to permanent loan
  • In-house financing for interim and permanent mortgage loan
  • Transparent, up-front underwriting on permanent loan
  • Simultaneous close for lot purchase and interim financing
  • Quick turn time on interim closing, within 30 days of receiving final contract, plans, and specs

Do you have a question?

We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you.


The Mortgage Lady


Alisha Baty | Loan Officer
NMLS# 495465



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Profoundly knowledgeable and professional.

We have had the distinct pleasure of working with The Mortgage Lady on multiple mortgage needs over several years. On...

Frankie & Melinda Waller

5.0
2015-12-21T09:37:22-05:00

Frankie & Melinda Waller

We have had the distinct pleasure of working with The Mortgage Lady on multiple mortgage needs over several years. On each occasion we have found her to be profoundly knowledgeable and professional, while at the same time being a joy to work with due to her enthusiasm, pleasant personality, and warmth.....Thank you for all that you do!

Thank you so much!

The Mortgage Lady, I know how lending guidelines make any conforming loan a difficult process these days. I truly believe...

Landon Smith

5.0
2015-12-21T09:38:11-05:00

Landon Smith

The Mortgage Lady, I know how lending guidelines make any conforming loan a difficult process these days. I truly believe these two refi's wouldn't have been this smooth, or closed at all, anywhere else. I have, and will continue to refer anyone looking for a loan in TX to you guys. Thank you so much!

She used technology to make us feel like we’re in the same town.

We cannot speak highly enough of our experiences in working withThe Mortgage Lady to arrange financing for our new home....

John and Carolyn Drummond

5.0
2015-12-21T09:39:36-05:00

John and Carolyn Drummond

We cannot speak highly enough of our experiences in working withThe Mortgage Lady to arrange financing for our new home. For most of the process, we were in a different city from The Mortgage Lady, but she used technology to make us feel like we're in the same town. We felt as though we had a personal relationship with The Mortgage Lady. She could not have been more supportive, patient, and positive. I encourage anyone purchasing a home to contact The Mortgage Lady.

We couldn’t be happier.

A big thank you to The Mortgage Lady and her team. We couldn’t be happier.

Ruben and Laura Vela

5.0
2015-12-21T09:40:09-05:00

Ruben and Laura Vela

A big thank you to The Mortgage Lady and her team. We couldn’t be happier.

Friendly, warm, compassionate and understanding.

The Mortgage Lady and her team were able to complete my mortgage - start to finish - in 23 days....

Jennifer Flinton

5.0
2015-12-21T09:36:16-05:00

Jennifer Flinton

The Mortgage Lady and her team were able to complete my mortgage - start to finish - in 23 days. That is unheard of in this industry where it normally takes 30-60 days, minimum. They were also able to help me write up not one, not two, but four offers on houses within that time period, providing the necessary paperwork promptly each time. But most importantly, Lori and her team were friendly, warm, compassionate, and understanding, on top of being professional and efficient. I cannot recommend them highly enough.
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