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VA One-Time Close Construction Loan Specialist

Build Your Dream Home with a 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
  • Fixed interest rate
Apply in just 60 sec, Get approved in 1–3 business days if you qualify

START THE EASY APPLICATION PROCESS NOW!

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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:

  • Finance construction of a new primary residence
  • Include construction and permanent financing in a single loan
  • Convert to a permanent VA mortgage after construction
  • Eliminate the need for a second closing or refinance

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:

  • One construction loan and one permanent VA loan
  • One closing instead of two
  • VA-backed financing for a primary residence
  • Competitive VA mortgage terms
  • A structured construction draw process

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

Our reviews speak for themselves

Benjamin Wilson
Benjamin Wilson
★★★★★
3 months ago
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.
Mary K
Mary K
★★★★★
3 months ago
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!
James Reece
James Reece
★★★★★
2 months ago
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!
Jose Reyes
Jose Reyes
★★★★★
2 months ago
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.
Steven Kuhn
Steven Kuhn
★★★★★
a months ago
Always honest, on point and so very helpful. Excellent work!

This Program May NOT Be a Fit If:

  • You are building an investment or rental property
  • You do not plan to occupy the home as a primary residence
  • You are not eligible for VA benefits
  • You do not plan to work with a qualified builder

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 someone now?

Schedule Your Free Consultation
Or Call Us (855) 701-2816

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.