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中金资本住宅有限公司. 一家总部位于圣安东尼奥的贷款机构的业务是什么 中期建设融资 新房建设. 我们是私人的, 非银行贷款, offering greater flexibility and speed in originating construction loans. 成立于2009年, 中金资本住宅有限公司, 与其前身相结合, has originated over $230-million in construction loans for over 900 房屋.

The current state of the credit markets makes it difficult for most regional and small home builders to find new home construction financing. The objective for the fund is to provide interim construction loans to single family home builders from a private equity loan pool.


Geographic Focus for Construction Lending

中金资本住宅有限公司. originates construction loans for new home builders and residential land developers in the San Antonio, 奥斯丁, 达拉斯和休斯顿市场.


The IRC team has decades of experience in all phases of residential construction, 土地征用, development and related issues and maintains relationships with division presidents and 土地征用 personnel of national, 当地的, 以及地区住宅建筑商. The IRC team harnesses its experience and relationships to provide creative solutions that can take a residential project from its inception to completion.


Suppose an individual has a residential property that he plans to sell. The property is under the mortgage, and the closing cost will range around $20,000. Now, it is valued at $1,200,000 and has a pending balance of $300,000.

The individual is planning to buy a new residential property which amounts to $2,200,000, 其中它可以获得高达1美元,000,000. The remaining amount the individual has to pay, 也就是3美元,200,000, can be financed through the bridge funding allowing the individual to buy the new property.

An interim construction loan is a secured short-term lending that is provided to support the construction of apartments, 房屋, 复合物, 办公大楼, 购物中心, 以及其他耐用的永久性结构. It usually lasts only till the time of completion of construction.

During construction, one has to pay the interest. It is only after completion of the construction that one has to start paying off the loan. 进一步, 因为风险更高, construction loans usually have higher interest rates than traditional mortgage loans. IRC资本住宅有限公司. provides loan amounts ranging from $100,000 to $600,000+ for a term of 9 to 12 months.

As one of the largest states in the USA, Texas has a flourishing construction industry. 不用说, construction loans are available in a vast array of options to build a new home or for renovation purposes.

在德克萨斯州, Construction loans typically involve a lender who provides requisite funds to the borrower in a number of installments as the construction project progresses. 进一步, construction loans in Texas tend to have lower interest rates than other types of loans, 比如房屋净值贷款.

One of the major advantages of Texas construction loans is that they can be used to finance the purchase of the property and the construction costs associated with that property.

There are national construction lenders extending construction loans throughout the country requiring a 5% down payment for a construction loan.

The borrower can use the equity on the land instead of a down payment. There is a 12-month seasoning essentiality; if the borrower owns the land for over 12 months, he may use the appraised value of the property to fulfill the 5% down payment requirement.

In case the borrower does not meet the requirement, the value which is lesser than the acquisition cost or the appraised value will be used.

Construction loans in Texas will involve a lender providing funds to a borrower in a series of installments.

Borrowers are required to provide detailed plans and specifications regarding the project, 估计预算, and timeline of the completion of the project. 在德克萨斯州, construction loans can be used for both residential and commercial purposes. They can be either short-term or long-term and can have fixed-rate or variable-rate depending on the market.

For any further queries regarding construction loans in Texas, you can connect with us via call at (210) 828-9261.