6 Construction Loan Lenders in Huntsville, Texas in 2026

In Huntsville, TX, the Lendersa® list of construction loan lenders spans various options including regional banks, national lenders, and local hard money lenders who utilize private finances for your ground-up construction or major rehab projects.

Lenders calculate construction costs for a 2,000 square foot home in Huntsville, TX, ranging from $210,279 for basic builds to $382,890 for more enhanced constructions. Interest rates and loan terms differ based on the borrower’s financial situation, the loan-to-value (LTV) ratio, after-repair value (ARV), and the chosen lender.

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Exploring the Magic of the Construction Loan Calculator

To comprehensively meet your construction financing requirements, Lendersa® uses AI technology to efficiently match your requests with a vast network of construction lenders. Discover competitive construction rates when funding projects like ground-up builds, fix-and-flip operations, or major renovations on residential and commercial properties in TX.

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Avoid unnecessary inquiries to keep your credit score intact. You can attain preapproval for your land loan without needing to provide your social security number or any sensitive financial information.

Qualifying for 100% LTV (Loan to Value) financing is possible when you agree to pledge additional property as collateral through a blanket loan arrangement.

Leverage the Lendersa® land loan calculator to locate vacant land loan lenders in zip codes like 77340.



Huntsville Construction Loan Lenders

  • Walker County Federal Credit Union
  • 1802 Normal Park Drive, Huntsville, TX, 77340
  • Lends in Texas
  • WCFCU’s mission is to enrich its members' quality of life by providing high quality, fairly-priced financial services and to remain driven by member needs

    We are eager to serve you and your family members. When you join the Credit Union, you enjoy the many advantages of doing business with a people oriented

  • First National Bank of Huntsville
  • 1300 11th Street, Huntsville, TX, 77340
  • Lends in Texas
  • On January 14, 1890, Gibbs National Bank, now First National Bank of Huntsville (FNBH), opened its doors for business on the downtown square in Huntsville, Texas. Prior to 1890, the Gibbs Family provided banking services to the citizens of Huntsville through the family mercantile business that was opened in 1841.

  • Community Service Credit Union
  • 250 FM 2821 Road West, Huntsville, TX, 77320
  • Lends in Texas
  • Community Service Credit Union has been open since 1954. The credit union has assets totaling $125.38 Million and provides banking services to more than 12, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • Montgomery Mortgage Texas
  • 11230 FM 830 Rd, Willis, TX, 77318
  • Lends in Texas
  • Established in 1998, Montgomery Mortgage is a Texas-based mortgage company located in Willis, TX, just north of Houston, Conroe and The Woodlands. Our goal is to simply offer the very best terms accompanied by extraordinary customer service. We maintain an A+ exemplary rating with the Better Business Bureau

  • Caprate Mortgage LLC
  • 10112 League Line Rd, Conroe, TX, 77304
  • Lends in Texas
  • Caprate Mortgage LLC a Christian based company, is committed to helping you find the right mortgage product for your needs. Lending not only to the Lake Conroe area and The Woodlands but all of Texas. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.

  • Spirit of Texas Bank
  • 1836 Spirit of Texas Way, Conroe, TX, 77301
  • Lends in Texas
  • We offer a full array of loan, deposit and on-line banking products at competitive rates to compliment your entire commercial and/or consumer banking needs. Please contact the banking center nearest you to see the true meaning of what "Community Banking and Service"​ should be. Our expectation is to make a difference.

  • The Bank of San Jacinto County, Coldspring, Texas
  • 100 Hwy 150, Coldspring, TX, 77331
  • Lends in Texas
  • The Bank of San Jacinto County is a community bank in every sense of the word. Our management and ownership is from here, and lives here. When you open an account or apply for a loan, nothing gets sent off to another corporate office, and chances are, you don’t live far from where your banker lives. We know our customers.

  • Core Lending
  • 525 Woodland Square Blvd, Suite 200, Conroe, TX, 77384
  • Lends in Texas
  • CORE Lending specializes in residential mortgage loans. We provide many types of financing: conventional, FHA, VA, USDA, jumbo, construction loans (both one-time close & two-time close), and portfolio products. We firmly believe our service levels are what sets us apart on top of our competitive pricing.

  • Oak Harbor Funding
  • 8523 Tynan Ridge Dr, Magnolia, TX, 77354
  • Lends in Texas
  • Oak Harbor Funding

    Mortgage guidance with heart

    Oak Harbor Funding helps you move from dream to doorstep with clear, friendly funding support for purchases and refinances on fix and flip, DSCR, Ground up construction, and your long term rental property fundings. Connect with Tim Hall at 832-307-1043 or tim@oakharborfunding.com, and learn more at oakharborfunding.com.

  • Design Mortgage Group
  • 7511 FM 1488, Magnolia, TX, 77354
  • Lends in Texas
  • At Design Mortgage, taking care of our clients is our number one priority. It’s our dedication to our customers that separates us from other mortgage companies. Nearly 100% of our business is by referral from satisfied clients, highly successful realtors and the most respected home builders in the industry.