Boerne, Texas
Boerne Construction Loans
Boerne is one of the Hill Country's most charming and rapidly growing luxury home markets, known for its historic downtown, Cibolo Creek, and large custom estate lots. Custom home construction in Boerne frequently involves build budgets from $800,000 to $4 million, with luxury estates in gated communities reaching higher. A Boerne one-time close construction loan provides the specialized financing needed for Hill Country custom builds.
The Boerne Market
Custom Home Construction in Boerne
Boerne's appeal lies in its blend of small-town charm and luxury living, with top-rated schools and proximity to San Antonio. The area features gated communities like Cordillera Ranch, Tapatio Springs, and The Ranches at Creekside, where custom homes sit on one to ten acre lots. Many Boerne builds involve limestone foundations, creek frontage, and significant site work. Construction costs regularly exceed $300 per square foot for luxury builds, with many projects involving private wells and septic systems.
Typical Build Budget
$800K – $4M
Loan Type
One-Time Close
Why One-Time Close
Why Boerne Borrowers Prefer a One-Time Close
Boerne's large-lot Hill Country builds often involve extended timelines and significant infrastructure costs. A one-time close construction loan bundles your lot, site preparation, and construction into one financing package with a locked permanent rate. This protects you from interest rate increases during a build that may take 14 to 18 months on a large Boerne estate lot.
Single closing with one set of closing costs
Permanent interest rate locked before construction begins
No need to re-qualify after construction is complete
Interest-only payments during the construction period
Automatic conversion to permanent mortgage at completion
Loan Programs
Construction Loan Options in Boerne
One-Time Close Construction Loan
Single-close financing covering lot, site work, and construction with a locked permanent rate.
Jumbo Construction Loan
For Boerne custom estates exceeding conforming loan limits.
Lot & Land Financing
Secure your Boerne acreage now and build on your schedule with flexible lot-to-construction options.
Where to Build
Notable Boerne Communities
Cordillera Ranch
A premier gated community in Boerne with a golf course, equestrian center, river park, and custom estate lots.
Tapatio Springs
A luxury Hill Country resort community with golf, tennis, and custom home opportunities.
The Ranches at Creekside
An upscale Boerne community with acreage lots, creek access, and custom estate builds.
FAQ
Boerne Construction Loan FAQs
How much down payment do I need for a Boerne construction loan?
Down payments typically range from 10% to 20% of the total project cost. If you already own land in Boerne, its equity can count toward your down payment.
Can I finance a Cordillera Ranch custom build?
Yes. We work seamlessly with Boerne's gated communities, including Cordillera Ranch, and can accommodate HOA requirements, architectural review, and community-specific build standards.
What is the advantage of a one-time close in Boerne?
You lock your permanent interest rate before construction begins and pay closing costs only once. For a Boerne build that may take 14+ months, this rate certainty can save you significantly compared to a two-close structure.
Ready to Build in Boerne?
With 26 years of mortgage experience and over $334 million funded since 2022, Darren Davey is your Boerne construction loan expert. Let's discuss your project.