Customer Focused Texas Based Private Money Lender
based in Fort Worth, Texas

New Construction Loans Hard Money

New Construction Hard Money Loans


Our expedited draw process is flexible to meet each builder's needs.


Interest only payments for the entire life of the loan.


We offer 100% construction financing keeping more money in your pocket.

Texas Hard Money New Construction Loans

  • Investment or Non-Homestead Property Only
  • Single family, multi-family, condos, commercial properties and more are eligible
  • NO Credit Minimums and NO Qualifying
  • NO Prepayment Penalty
  • Rates starting at 12%
  • Origination fee of 2% to 4%
  • $995 Document Fee
  • Loans from $50,000 to $1,000,000
  • Loan term tailored to length of project
  • Up to 70% Loan to Value
  • Up to 90% Loan to Cost
  • Construction draws released on completed repairs only
  • Draw fees start at $250

    Start Your Pre-Approval Now
  • Texas Construction Loans

    Cedar Top offers flexible and competitive construction funding to finance your project from beginning to end. Like our rehab loans, our construction loans are based on the final market value of the project and is tailored to your budget and timeline. Funds are released in construction draws throughout the project, and we work with you to develop a marketable end product.
    Submit Your Deal

    Our Loan Process

    Apply Online

    Fill out our simple application to get a free, no-obligation quote

    Quick Approvals

    Our in-house decision making team works fast to analyze your deal.


    Our team can close in as little as 24 hours from start to finish!

    New Construction Lending for Texas Real Estate Investors

    Our new construction loan package is tailor-made for new home builders looking for non-bank financing to build a new spec construction home or homes. Our easy draw process and competitive terms are second to none. We process, close, and service, our loans in-house so you’ll work with the same dedicated team from start to finish. Traditional banks may take more than thirty days to fund a new construction loan, while Cedar Top can fund in as fast as three days once all title and permitting processes are complete.

    What is a Spec Construction Loan?

    Spec is short for speculative, which refers to the basis on which we lend. We lend money based on what we speculate the property to be worth after construction is finished. Spec construction loans are for builders and developers, and not for borrowers who are looking to move into the home as their primary residence. We do not offer homestead or owner-occupied loans.