How to Build on Your Own Lot in Texas

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A builder laying tile on a construction site.
A builder laying tile on a construction site. (Image: temis/iStock/Getty Images)

Texas has a wealth of land and a healthy economy, and building on your own lot in Texas is a highly desirable option for some buyers. The process of building your own home, however, is very involved, and requires working with experts who know the laws of land as well as the laws of building property.

Get pre-approved for a mortgage for property and the house you plan to build if you do not have cash for the purchase. A bank you do other business with may provide better rates, or may be able to offer banking services at a discount once you obtain a mortgage with them.

Call or email real estate agents in the area you plan to buy. Ideally, get a referral from someone you know. Interview the agent about his past experience with the purchase of land in the area. Buying raw land involves much more than buying a house. You have to consider land quality, whether utilities are in existence, how they will be laid if not, local building restrictions, state building restrictions, and local and state permits. There are likely even more considerations beyond these that are specific to your local area. Ask your real estate agent about all of these.

Call or email builders and architects. Like the real estate agent, they should be familiar with local land characteristics and local and state ordinances. Such familiarity is even more important for the builder and architect since they will implement the project.

Submit an offer on the property. The seller has the option to accept, counter, or reject your offer.

Go under contract as long as all parties agree to the terms.

Close on the property.

Begin working with the architect and builder once you have closed on the property. As an owner, you should plan to visit the building site very regularly to ensure the work you have contracted is being done to your specifications.

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References

  • "Real Estate Principles I"; The Texas Real Estate Commission; 2006
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