Texas Gulf Bank

A Century of Funding the Texas Coast

Texas Gulf Bank is the veteran player in Houston's residential construction scene. They have spent a century refining their approach to builder financing. Their draw process is built for the reality of the job site — efficient and predictable — ensuring your subs stay paid and your materials stay moving.

They pride themselves on being relationship lenders. Unlike a national mortgage factory, your loan officer at Texas Gulf Bank actually knows your market and your business model. They offer specialized construction-to-perm loans that can be far cheaper for your clients than traditional financing.

The ConstructionPerks Take

We think Texas Gulf Bank is best for: Spec and custom home builders who need a stable, long-term banking partner with deep local knowledge of the Houston residential market.

One thing to think about is their focus. They are masters of the Gulf Coast residential market; if you need massive high-rise syndication, you might need a larger institutional bank.

Frequently Asked Questions

How does the construction draw process work?

They offer a streamlined draw process based on completed construction stages, ensuring timely payments to your subs and suppliers.

Do you offer lot and land acquisition loans?

Yes, they provide financing for land purchase, either standalone or as part of a comprehensive construction package.

What is a construction-to-perm loan?

This is a one-time close loan that finances the construction phase and then automatically converts to a permanent mortgage for the homeowner.