Two-story elevation in mixed brick under a standing-seam gable, with a center walk to the door

Prequalification

Find your number before you fall in love with a plan

We do not lend money. What we do is make sure you walk into the right lender's office with the right documents and a realistic expectation.

Since 1992
Building trusted, quality custom homes in the RGV for over 30 years.
Family Owned & Operated
A family led builder crafting custom homes with a personal touch.
Serving Hidalgo, Starr, Cameron & Jim Wells Counties
Your local custom home builder for the entire Rio Grande Valley.
A+ Rated Service
Delivering A+ rated craftsmanship and exceptional client care.

Choose a route

Five programs. One of them is yours.

Read across the row that matches your situation, then tell us which one you want to explore, or tell us you have no idea, which is a perfectly normal answer.

Down payment and credit thresholds are the lender’s, not ours, and they change. Your lender confirms what you actually qualify for. Nothing on this page is a commitment to lend or a guarantee of approval.
Program	Down payment	Typical credit	Who it fits
FHA construction loan	3.5% down	580+ (500 to 579 with 10% down)	First time builders and buyers whose credit is still recovering.
VA construction loan	$0 down	No VA minimum; most lenders want 580 to 620	Veterans, active duty and surviving spouses. No PMI.
USDA Rural Development	$0 down	Typically 640+	Eligible rural parcels, much of Starr County and parts of Mercedes and Rio Grande City.
Conventional construction	10 to 20% down	620 minimum; best rates at 740+	Strong credit and cash. Usually the best long term rate.
One time close	Varies by program	Usually 620 to 680	Funds construction and converts to a permanent mortgage without a second closing.

The full explanation of how each one works

Free blueprints with your build

Start prequalification

Tell us where you are and we will make the lender introduction, usually the same day.

Where are you in the process?

Just exploringCurious about cost and processI own landReady for a free site evaluationI need landLooking for the right lotReady to buildPrequalified or close to it

Where do you want to build?

A little more about the project

When would you like to start?

Budget range

Anything you want us to know?

Optional. The more you tell us, the more useful the first call is.

How should we reach you?

Full name (required)

Phone (required)

Email (required)

Your information stays with our team. We never sell or share it.

Bring these

The document checklist

Gathering these before the call turns a two week process into a two day one.

Last two years of tax returns
Last two years of W2s or 1099s
Two to three months of bank statements
Last thirty days of pay stubs
Government issued photo ID
Social Security number for the credit check
VA only: your Certificate of Eligibility
If you own land: the deed or purchase agreement

If your credit is not there yet

Say so. It is a timeline question, not a closed door. Paying down card balances, disputing errors and avoiding new debt can move a score meaningfully in three to twelve months, and the lenders we work with will tell you exactly what to fix first.