Short answer:
Before a lender can fund your new construction loan, the site needs to meet certain standards—both legally and physically. From zoning to utilities, site readiness can make or break your deal.
If you’re planning a ground-up build in Dallas, Tarrant, or Collin counties, this checklist will help you move faster, avoid delays, and get approved with confidence.
When you’re financing a new build—whether it’s a single-family spec home, a duplex, or a small development—your site condition determines how soon you can break ground and how much risk your lender takes on.
Private lenders like Silverton Capital evaluate not just your budget and plans, but whether the property itself is ready for construction.
If the site isn’t ready, your loan could be delayed—or denied—no matter how good the project looks on paper.
Before you buy or build, double-check zoning. Even if the land looks residential, it might not be zoned for new construction—or may have limitations on setbacks, height, or density.
Make sure:
Lenders won’t fund speculative builds that can’t legally happen—so get written zoning verification from the city or county early.
You can’t build on land you can’t prove you own—or reach.
Before applying for a construction loan, ensure:
If the land needs to be platted or has access issues, your lender may require those to be resolved before closing.
Whether you’re on city services or planning well and septic, lenders want to see how your site will support the home.
You don’t need everything installed—but you should know:
Private lenders like Silverton Capital often fund utility installs as part of your draw schedule, but they want to see that you’ve done the prep work.
To fund a ground-up build, your lender will need to see:
This tells the lender the project is ready to go once the loan closes—and that you’ve accounted for site-specific needs like grading, tree removal, or drainage.
You don’t need to have permits in hand to apply—but you should know what permits are required and how long they’ll take.
Your lender may want proof that:
Some cities issue permits in a few days. Others take weeks. Build your loan application timeline around this step so your construction funding isn’t delayed.
At Silverton Capital, we specialize in construction loans across Dallas, Tarrant, and Collin counties—and we understand the realities of site prep and permitting.
Our team works with you to:
Whether it’s your first spec home or your fifth subdivision, we’re here to help you break ground with confidence.
Apply now to get started.
Your deal might look great on paper—but if the site isn’t ready, lenders may hesitate. By getting ahead of zoning, access, utilities, and permits, you’ll eliminate surprises, get funded faster, and build without delay.
A little prep upfront saves weeks (and thousands of dollars) later.
Apply with Silverton Capital for fast, flexible construction financing in Dallas, Tarrant, and Collin counties—built for real-world investors like you.
This article is for informational purposes only and is not intended to serve as legal, financial, or investment advice. Please consult with a licensed professional before making financial decisions.