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
START THE EASY APPLICATION PROCESS NOW!
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Security America Mortgage, Inc.
"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
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
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.
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 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.