Home Building & Project Resources
Financing Your Custom Home
If you plan to finance your custom home, a construction loan is typically used to fund the build as construction progresses. Capricorn Concepts is already approved with several construction lenders, and we are happy to work with the bank or lender of your choice. If your lender requires its own builder approval process, we can provide the necessary builder documentation for their review. During construction, we coordinate with your lender on the documentation, inspections, and draw requests required to keep funding aligned with the progress of your home.
For Real Estate Professionals
We work closely with Realtors who are helping clients evaluate land and plan for new construction. Whether a client is considering a property for a custom home, guest house, or other ground-up project, we’re available early in the process to provide practical insight before they commit to the property.
How We Support Your Clients
We can help you and your clients evaluate:
Preliminary build feasibility
Early cost expectations
Site-specific opportunities and constraints
How the property may affect the scope and design of the build
Bringing a builder into the conversation early can help clients make better-informed decisions before purchasing a property.
From those initial conversations through construction, we stay accessible and responsive to both you and your client. You’ll have our direct cell phone numbers, and your clients will too.
How Construction Loans Typically Work
Construction loans are commonly used to finance custom home builds. Funds are released throughout construction in stages called draws, typically based on completed work and lender inspections. Capricorn Concepts works with your lender throughout the process to provide the builder documentation, draw requests, and project information they require. Depending on the loan, construction financing may convert to permanent mortgage financing after the home is complete.
When to Start Exploring Financing
If you plan to finance your custom home, it’s helpful to speak with a construction lender early in the planning process. This can help establish your budget, understand lender requirements, and determine how financing may affect the design and construction timeline.
Using Land Equity Toward Your Build
If you already own the property where you plan to build, the equity in your land may be applied toward the equity or down-payment requirements of a construction loan, depending on the lender and loan structure. For clients who already own their land, this can significantly affect how much additional cash may be required to finance construction.
Financing terms, loan requirements, land valuations, and borrower qualifications vary by lender. Capricorn Concepts is not a lender or financial advisor.
→ Frequently Asked Questions - Answers to common questions about planning, designing, financing, and building with Capricorn Concepts.
→ Insights - Helpful information about custom home building, planning, design, construction, and building in the Texas Hill Country.
Contact Us
Planning a custom home or specialty build? Tell us a little about what you have in mind, where you’re building, and where you are in the process. We’ll review the details and be in touch to discuss next steps.