What is in-house construction financing?

In-house construction financing is a direct funding model where the builder funds the construction phases directly from their corporate capital accounts. This bypasses the slow draws, bureaucratic red tape, and slow inspections of retail commercial banks, keeping the build schedule moving quickly.

How does a single-closing construction loan work?

A single-closing loan combines the land acquisition, construction financing, and permanent 30-year mortgage into one single transaction. You sign paperwork and lock in your permanent interest rate once, saving thousands of dollars in double title premiums, document preparation, and underwriting fees.

Does in-house financing speed up build timelines?

Yes. By paying subcontractors instantly when their stage is completed (rather than waiting 2-3 weeks for a retail bank inspector to visit), the region's best craftsmen prioritize our sites. This direct daily draw system eliminates months of financing delays.

Interior view of a beautifully completed custom Hill Country home in Georgetown, Texas

Financial Simplicity

Skip the Bank Red Tape.

Most builders force you to secure complex, slow construction loans on your own. We fund your build directly with in-house construction financing in Georgetown, TX.

Talk to Chance Learn Our Process

[VERIFY WITH CHANCE BEFORE DEPLOY: this page currently describes two different models — "we fund the construction directly from our in-house accounts" (hero, comparison, step 02) AND "partnerships with local Texas construction lenders" providing a single-close C2P loan (deep dive). Which is it? Most likely: lender provides the loan, Chance fronts subcontractor payments between draws — if so, the copy should say that. If Chance is actually lending to buyers, have his attorney confirm licensing. Also confirm: qualification requirements and whether the single-close structure is available to every client.]

Single-Closing Construction-to-Permanent Loan

No Bank Draw Delays

Subcontractors Paid Instantly

Draw Schedules Compared

Traditional Banks vs. In-House Funding

Securing commercial construction loans shouldn't delay your foundation pour. Here is how we bypass bank delays.

Traditional Bank Loans

Bureaucracy & Inspection Delays

? Third-Party Inspection Waits: Work stops for up to 3 weeks waiting for an out-of-town bank inspector to approve a foundation or framing draw.
? Double Closing Costs: You pay closing fees twice — once for the construction loan, and once to convert it to a mortgage.
? Layers of Bank Intermediaries: Draw paperwork handled by officers who have never set foot on your building site.

In-House Financing

Direct Draws & Zero Delays

? Immediate Draw Approvals: Chance inspects and signs off on completed construction stages directly. Draws are processed in days, keeping subcontractors on schedule.
? One Single Closing: Simplify your paper trail with a streamlined financing process from day one.
? Zero Bank Intermediaries: You coordinate draw milestones face-to-face with the same builder who manages your site personally.

How It Works

A Direct, Streamlined Process

We keep our custom home financing as straightforward as our physical builds.

Establish the Budget

You sit down with Chance, study your lot, select your floor plan, and review custom 3D designs to write a transparent contract with zero surprise markups.

Direct In-House Funding

Once the contract is signed, we fund the construction directly from our in-house accounts, eliminating commercial bank wait periods and application red tape.

Direct Draw Processing

Chance oversees completed stages, ensuring high-performance HERS rating testing, stable sub-trades, and direct post-sale warranty coverage.

Direct Contact

Talk to Chance

Ready to talk about in-house construction financing, your timeline, or lot feasibility? The first conversation is free, has zero obligation, and Chance responds personally.

Direct Line 512-848-1185

Email Inbox [email protected]

Our Office 1952 S. Austin Avenue
Georgetown, TX 78626

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Your information goes to Chance — not a sales team, not a mailing list.

Financing Intelligence

The Nitty-Gritty: The Financial Mechanics Behind a Smarter Build

The sections below get into the real financial engineering — single-closing structures, draw schedules, and subcontractor loyalty. This is the detail that separates builders who can actually move fast from those who can’t.

The Single-Closing Advantage: Eliminating the Double-Closing Penalty

Custom home buyers are frequently blindsided by the administrative fees associated with standard construction financing. Traditional retail lenders typically structure custom home loans as two separate transactions. The first is an interim construction loan, which finances the raw land purchase and the physical building stages. The second is a permanent mortgage, which pays off the construction loan once the home receives its Certificate of Occupancy.

This dual-loan structure forces families to pay two complete sets of closing fees. This means paying double underwriting fees, double title policy premiums, double recording costs, and double document preparation fees, draining thousands of dollars in cash that could otherwise be used for interior custom finishes (see where custom budgets actually go). Furthermore, it subjects the family to a second round of credit checks and mortgage qualifications at the end of the build, creating major anxiety if interest rates rise during the construction cycle.

Chance Leigh Custom Homes eliminates this double closing penalty. Through our long-standing partnerships with local Texas construction lenders, we facilitate a single-closing construction-to-permanent loan structure. In this model, you secure both your construction financing and your long-term permanent interest rate in a single mortgage transaction before the first shovel of dirt is turned.

With a single closing, you pay only one set of title, administrative, and processing fees. Your loan automatically converts from a construction draw account into a standard amortized permanent mortgage the moment Chance hands you the keys. This locks in your long-term rate upfront, protects you from mid-build interest rate hikes, and saves your family thousands of dollars in unnecessary closing friction.

Direct Draws & Trade Loyalty: Why Speed Slashes Construction Timelines

Slow bank draw inspections are the primary cause of construction delays. Traditional commercial loans force subcontractors to wait weeks for payment, prompting them to walk off the job to prioritize other projects. Processing a single bank draw requires hours of paperwork.

Because we fund your build directly with in-house construction financing, Chance Leigh signs off on draw benchmarks directly on-site. Draws are processed within days, keeping our subcontractors paid instantly. This builds unmatched trade loyalty, keeping the best local Central Texas artisans committed to your site and slashing your total building timeline.

Additionally, bypassing third-party retail bank draws eliminates the costly monthly administrative fees and high-interest draw fees that traditional lenders charge on each individual payment request. Every time a bank inspector travels to a site to verify framing or plumbing milestones, the home buyer is billed for the travel and filing fees. With Chance Leigh funding your custom home directly, there are no inspection trip fees, no bank intermediary markups, and no hidden draw processing charges. Every single dollar of your capital plan is spent directly on structural concrete, hand-laid limestone, high-performance HVAC mechanics, and top-tier Hill Country craftsmanship.

Money Questions Deserve Straight Answers

Bring your lender, your accountant, or just your questions. Chance will walk you through exactly how the draws work on a real build — no jargon, no pressure.

Talk to Chance