Build Your Dream Home with $0 Down — VA One-Time Close Construction Loan

Start the simple VA construction loan process with VA One Time Close experts!

No down payment required on VA loans
No second closing.
Save on closing costs
Save on time

📝 Note: The VA has no strict minimum credit score, but most lenders require a middle FICO® score of 640 or higher to clear automated underwriting for a VA One-Time Close Construction Loan.

START THE EASY APPLICATION PROCESS NOW!

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🏛️ NMLS #355253

⭐⭐⭐⭐⭐ 5-Star Rated

📍 Licensed in 10 States

Garrett Pat Puckett

Founder & CEO
Security America Mortgage, Inc.

🎖️ 5th-Generation Texan

🏦 NMLS #337550

📅 Owner Since 2005

🇺🇸 Wounded Warrior Project

"Serving those who served is not just a job — it is an obligation carried in the blood."

Garrett Pat Puckett is a fifth-generation Texan and the Founder & CEO of Security America Mortgage, Inc., a company he has owned and operated since 2005. His family's tradition of military service spans generations — from ancestors who fought at the Battle of Yorktown, to relatives who stormed the beaches of Normandy and survived the Battle of the Bulge. His middle name, Pat, honors a celebrated World War I hero, and his distant cousin, Colonel Ralph Puckett Jr., earned the Medal of Honor as one of the most decorated soldiers in American history.

As a specialist in VA loans and VA one-time close construction lending, Garrett has spent over two decades ensuring veterans fully maximize the benefits they have earned. He is the primary author of educational content on SecurityAmericaMortgage.com and actively supports veteran initiatives including the Wounded Warrior Project.

How the VA Loans Construction Process Works

1 Get Pre-Qualified Submit your Certificate of Eligibility (COE) and financial documentation.

2 Choose a VA-Approved Builder VA-registered builders submit construction plans and cost breakdowns.

3 One Closing Land, construction funds, and mortgage all close at once.

4 Build Your Home Builder draws are released as construction milestones are completed.

5 Final Inspection Loan converts to a permanent mortgage — no refinance or second approval.

What Is a VA One-Time Close Construction Loan?

A VA one-time close construction loan is designed to:

All VA construction loans are subject to program guidelines, documentation requirements, and lender approval. Not all applicants will qualify.

Benefits of a VA
Construction Loan

Eligible borrowers may benefit from:

Loan terms, rates, and approval are not guaranteed and vary by borrower.

Who Is This VA Loan For?

You may be eligible for a VA loan to build a house if you are:

An eligible Veteran
An active-duty service member
A qualifying surviving spouse

You must also:

Meet VA entitlement requirements
Intend to occupy the home as your primary residence
Use a builder that meets VA and lender requirements
Qualify under credit and underwriting guidelines

Decorated veteran and business leader who knows the value of straight talk and results. Steven trusted Security America Mortgage for his VA loan needs and experienced honest, efficient service from start to finish.

Steven Kuhn

U.S. Army Combat Veteran & Client

🎖️ Verified Client

Our reviews speak for themselves

I can't say enough good things about Jason & Nadia. They made purchasing a home a walk in the park, compared to the horror stories I heard about. Security America Mortgage will always be the only company I refer people too.

Security America Mortgage are ROCK*STARS, and I can’t recommend them enough! My experience with them, and specifically with Jason and Nadia, was absolutely outstanding. The entire team was incredibly friendly, professional, and helpful from start to finish. They were truly engaging and made the usual complex mortgage process feel seamless and stress-free. There was a genuine, family-like feeling that set them apart from every other company I considered. They exceeded all of my expectations and truly went above and beyond to provide exceptional service. If you're looking for a mortgage lender who is not only a professional but also a pleasure to work with, look no further. Thank You!

We had an exceptional experience working with Jason and Nadia! From the very beginning, they were honest, transparent, and clear—no surprises along the way. They managed to close two loans for us in just 12 business days, which is incredible. Their professionalism and efficiency made the entire process smooth and stress-free. Highly recommend them to anyone looking for a trustworthy and responsive mortgage team!

Can't say anything bad about Jason and the team. Great communication and explained everything. Definitely recommend, especially if you're looking for a VA lender.

Always honest, on point and so very helpful. Excellent work!

This Program May NOT Be a Fit If:

VA Construction Loan Lenders Matter

Not all lenders offer VA construction loans.

Security America Mortgage works with VA construction loan programs and understands the additional documentation, builder requirements, and review process involved in VA one-time close construction loans.We provide guidance throughout the process, but approval is never guaranteed.

What Happens After You Submit?

A licensed loan professional reviews your information

We confirm VA eligibility and construction feasibility

You receive guidance on next steps — no obligation

Prefer to speak with a VA Construction Loan Specialist now

Important VA Disclosure

Security America Mortgage is not a government agency. This is a private website and is not affiliated with the U.S. government, U.S. Armed Forces, or Department of Veterans Affairs. U.S government agencies have not reviewed this information.