COVID-19 and PPP Loan Forgiveness Update

Actualización sobre COVID-19 y el Programa de Protección de Nóminas

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Building a new home can seem like a daunting endeavor, but we want to change that. Our staff will guide you through getting a construction loan and answer all of your questions to make sure the path to your dream home is as simple as possible for you and your builder.

Construction Loan Requirements & Documentation

Download one of the mortgage checklists below to view a list of documents you will need upon submission of your home loan request. Having these documents readily available will help expedite your loan request. Please note there may be additional documents requested throughout your home loan application process.

Down Payment Assistance

Vantage Bank Texas has partnered with the Texas State Affordable Housing Corporation (TSAHC) to offer low interest rate loans with down payment assistance to help individuals and families become successful homeowners. Contact our mortgage team to learn more.


Please contact our mortgage representatives for construction loan interest rates.

Mortgage Calculators

Our interactive, easy-to-use calculators are designed to help you manage your mortgage finances.

Getting approved for a construction loan in Pharr doesn't have to be difficult. At Vantage Bank Texas, we make the process easy for you. Ready to start building? Get started with Vantage Bank Texas!

Our construction loans are the best in the area. We are one of very few financial institutions who offer construction-to-permanent mortgage financing, meaning you borrow for construction and once you move in, we convert the loan balance into a permanent mortgage. It’s two loans in one! Plus, we can even include the purchase of the lot in the mortgage. We also offer loan-to-value (LTV) construction loan financing up to 90% up to $1,000,000 and 75% LTV for Foreign Nationals.

We’ve made the construction loan process even easier now that we’ve implemented an easy-to-use, web-based service that automates the construction loan advance process for residential and commercial construction loans. It’s accessible from any mobile device or computer and centralizes construction documentation, pay applications and inspection progress reporting,improving the experience for you and your builder.

Our Pharr construction loans have helped customers build their way to perfection. If you're ready to learn more, reach out to one of our Vantage Bank Texas lenders to day at 956-664-8400. We can't wait to hear from you.