Why Local Businesses Trust Us for Construction Loans in Houston

February 24, 2022

For more than 100 years, we have been a strong and financially secure member of the Texas Gulf Coast community. Over time, we have built strong relationships with many construction companies and contractors in the Greater Houston area.

Because our lenders are well-versed in construction lending, we can expedite the process of providing you with the funds that you need for your construction projects. Find out more about why you can confidently place your trust in Texas Gulf Bank for construction loans in Houston.

Reasons to Apply for a Construction Loan Through Our Bank

We have a proven track record serving the lending needs of local companies involved in the construction business. Whether you are a Houston-based company or your company is expanding your portfolio to pursue projects in Houston, there are several great reasons to apply for a construction loan through Texas Gulf Bank.

Our lenders have years of experience working with local businesses of all types and sizes.
We offer commercial and residential real estate lending services and loan packages that can be tailored to fit the unique needs of each construction job.
Our application process is smooth and efficient.
We make all of our lending decisions locally, which allows us to accelerate the loan approval process.
Our team goes above and beyond to find the best interest rate and loan term options for your needs.

What to Expect From the Construction Loan Qualification Process

After you apply for a construction loan, we will perform a thorough review to verify your credentials. Because we are local to the Houston area, we can complete this process faster than would be expected when going through other banks. We will:

Review your financials, construction plans, and company conduct.
Ensure you have the capital and cash flow needed to proceed with your plans.
Check your references and review past experiences with former clients.
Perform site visits on any ongoing projects so that we can see your current work.
Review your track record of past projects to ensure that you have the ability to complete jobs on-time and on-budget.
Perform additional reviews as necessary depending on the specific nature of your construction project (e.g. ground-up construction projects).

We Make the Construction Loan Application Process Simple

At Texas Gulf Bank, we do everything in our power to make the application process simple. If your company is approved for a construction loan, then we strive to have a completed loan package readily available to fund within 45 days of the submission of your application.

Our team works hard to streamline the process so that you can proceed with your construction plans as soon as possible. Before proceeding with construction work, though, we recommend that you wait for confirmation that the process is complete.

Only after loan funding is complete should you proceed with construction work or have materials delivered. Waiting for this step ensures that your cash flow is protected and allows our team to better serve your needs.

Contact Us to Start Your Construction Loan Application

Your business is important to our bank. Our goal is to build long-term relationships with local construction companies and contractors in Houston. We want to be your banking partner for current and future construction projects.

When you are ready to apply for a construction loan to fund your next project, contact us using the form below, or stop by one of our Houston-area banking locations to find a helpful lender. Our experts can answer any questions you might have about loan funding, the application process, closing cost calculations, and more.

When need meets opportunity, Texas Gulf Bank is here for you! Get in touch with us today to learn more about why contractors put their trust in us to fund their construction projects.