Third Coast Bank Mortgage Center

Bridging the Gap from Dirt to Dream Home

Third Coast Bank Mortgage Center is the specialist for contractors and owners looking for a dirt-to-finish financial solution. Their One-Time Close program consolidates the land purchase and construction loan into a single permanent mortgage — saving the client thousands in duplicate closing costs and streamlining paperwork for the contractor from day one.

They also offer a dedicated Lot Loan program with a 2-year build window — perfect for the builder who has found the perfect spot but isn't ready to break ground for a few months. With Jumbo financing capability, they are a frequent partner for high-end residential builders in Memorial, West University, and River Oaks.

The ConstructionPerks Take

We think Third Coast Bank is best for: High-end custom home builders and their clients who need sophisticated jumbo financing and efficient one-time close programs.

One thing to think about is their focus on mortgage-side lending. If you need a corporate working capital line or heavy equipment financing, you'll need their commercial banking side or another institution.

Frequently Asked Questions

What is the benefit of a one-time close construction loan?

It combines construction financing and permanent mortgage into one loan, saving thousands in closing costs and simplifying the approval process.

How long is the typical construction period for your loans?

They typically offer a 12-month construction period, but can review longer terms on a case-by-case basis for complex custom builds.

Do you offer financing for larger lots?

Yes, they consider lot loans for properties up to 25 acres, with larger tracts reviewed on an individual basis.