Custom Build Worksheet • Austin & Central Texas

Texas Construction Loan Scenario Review

Evaluate Your Lot Equity, Builder Budget, and One-Time Close Options.

Before committing to construction contracts or builder deposits, let Adam Styer review your project numbers. We analyze your lot equity, builder draw schedule, contingency reserves, and long-term interest rate lock to ensure your project is funded seamlessly from groundbreaking to move-in.

See My Options Book a 15-Min Call (512) 956-6010

By Adam Styer, Senior Loan Officer • NMLS #513013 • Company NMLS #2072896

Review Scope
Lot & Build Budget
Calculate required down payment & lot equity credit
Builder Vetting
Licensing & Draws
Ensure builder milestones align with wholesale guidelines
Turnaround
1 Business Day
Personal scenario review directly from Adam Styer
Confidentiality
Zero Hard Credit Pull
Scenario modeling without credit impact
What should I know about this option?

Why Review Your Construction Scenario Before Signing?

Custom home construction financing carries moving parts that ordinary purchase loans do not: builder financial vetting, draw milestone schedules, lot equity crediting, and appraisal based on future plans and specifications.

A thorough scenario review confirms that your general contractor qualifies under wholesale lender guidelines, verifies that your lot equity satisfies the program's down payment requirement, and confirms whether your budget fits within conforming ($832,750) or jumbo ($2M–$3M+) limits. This protects you against entering a binding construction contract with financing terms that cannot be delivered.

Common Situations

Who This Program Is Built For

Clear borrower profiles where this financing structure provides substantial advantages.

Homeowners Holding Land

Landowners who want to verify how much cash or equity credit their lot provides toward construction.

Buyers Evaluating Builder Bids

Reviewing custom home construction estimates to ensure soft costs, permits, and contingency reserves are properly budgeted.

Tear-Down Renovators

Calculating total acquisition and demolition costs alongside new custom construction financing.

Realtors & Builders Partnering on Scenarios

Real estate professionals seeking clean, vetted financing commitments for their custom-build clients.

Options & Milestones

Simple Options & 3-Step Process

Clear paths and milestones supported by independent wholesale processing.

Lot Equity Analysis

We calculate your net land equity based on recent comparable sales and verify how much down payment it satisfies.

Best for: Owned land reviews

Builder Draw Schedule Audit

We inspect your builder's 4–6 stage draw requests to ensure alignment with independent third-party inspection standards.

Best for: Contract review & draw setup

One-Time Close Program Match

We match your project value with the optimal conforming or jumbo One-Time Close program to lock rates upfront.

Best for: Full project financing
01

Submit Project Parameters

Share your estimated lot value, builder contract budget, target location, and construction timing.

02

Comprehensive Review

Adam analyzes the numbers and prepares a construction financing breakdown once the documents are in.

03

Strategy Call

We review the financing options together, coordinate with your builder, and prepare for your One-Time Close.

Illustrative Scenario

In Action: A Clear Scenario

A transparent look at real-world numbers and successful funding.

Illustrative Case • Builder Bid Review Austin (Dripping Springs), Texas

Dripping Springs Build Review — Uncovering $45,000 in Lot Equity Savings

The Situation: An Austin family was preparing to sign an $850,000 build contract in Dripping Springs. They had owned their lot for two years, owing $70,000 on an original $150,000 purchase.

The Review: During Adam's scenario review, recent neighborhood acreage sales showed their lot was now worth $240,000 ($170,000 in equity). The builder had assumed the family would need to bring $120,000 in cash to closing.

The Outcome: Adam showed that their $170,000 in land equity satisfied the entire 15% down payment requirement on the combined $1,090,000 project. The family kept their $120,000 cash in reserves for custom interior finishes, locked their 30-year fixed rate upfront, and avoided costly bank delays.

Disclosure: Illustrative scenario based on composite borrower profile. Actual interest rates, loan limits, and qualification guidelines depend on credit profile, property appraisal, and lender criteria.

Supporting Research & Worksheets

Explore the Details

In-depth underwriting guidelines, loan matrices, and interactive tools in our specialist resources.

Texas One-Time Close Construction Guide Read Guide →

Detailed guide on single closings, draw milestones, and contractor requirements.

Austin Construction Loans Overview Explore Programs →

Comprehensive overview of construction-to-permanent loan options.

Buy Before You Sell Strategy Explore Move-Up →

How to manage transition timelines when building a new custom home.

Mortgage Payment Calculator Calculate Payment →

Model monthly payments and interest-only draw payments during construction.

What makes a construction →

Clear Answers

Frequently Asked Questions

Straightforward answers to the questions Central Texas borrowers ask most.

What information do I need to submit for a scenario review?

Just basic estimates: your property location, whether you already own the lot (and any balance owed), your estimated construction budget, and whether you have selected a builder. Exact plans are not required for an initial review.

Does this review impact my credit score?

No. The scenario review is a confidential financial modeling consultation. No hard credit inquiry is performed during initial scenario review.

What if my builder is not yet finalized?

That is completely fine! Many homeowners run their numbers with us first to establish a firm build budget before interviewing custom builders.

Can lot payoff be rolled into the construction loan?

Yes. If you currently have an outstanding land loan, the One-Time Close loan pays off the land balance at closing and folds it into your single construction mortgage.

How long does it take to get feedback on my scenario?

Adam personally reviews each submission and typically responds within one business day with customized financing scenarios.

The Wholesale Advantage • Many wholesale lenders • Wholesale Pricing Without Corporate Bank Margins • Clear communication and the conditions list up front • Direct 1-on-1 Strategy from Adam Styer

Confidential Review

Check Your Financing Options

Connect directly with Adam Styer to analyze your scenario. Personal review with zero sales pressure.

Do not upload plans, financial statements, Social Security numbers, account details, or other sensitive information here.