Your Service, Your Home, Our Mission

Trusted partner for Veterans

We help Veterans turn their vision into reality by using their VA loan benefit to finance both land and construction. Whether you’re working with your own builder or just getting started, we’ll guide you through every step — with no down payment required, no private mortgage insurance, and benefits tailored to those who served.

Already Own Land? Start Building Now

If you already own your lot, we’ll help you use your VA entitlement to begin construction right away with no down payment.

VA Construction-to-Permanent Loan

Roll your construction loan into a permanent VA mortgage after the build is complete. Great for flexibility and long-term planning.

VA One-Time Close Construction Loan

Finance your land and custom home build with a single VA-backed loan — one closing, one process, no hassle.

We are proudly serving those who served the nation.

Why Choose VA Construction?

Your VA home loan benefit can do more than just buy a home — it can help you build one that fits your lifestyle, land, and future. A VA construction loan empowers you to customize your dream home without the heavy financial burden.

No Down Payment Required : Finance 100% of your land and build with no money down — thanks to your VA entitlement.
No Private Mortgage Insurance (PMI) : Save hundreds monthly — VA loans don’t require PMI, even with zero down.
Flexible Builder Options : Bring your own builder, or let us connect you with VA-approved professionals.
One-Time Close Convenience : Streamline your financing with one loan, one closing, and one smooth process from land to move-in.

VA construction is the smarter way to build — exclusively for those who’ve served.

Trusted By Veterans Nationwide

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Veterans consistently rate us for trust, transparency, and service.

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We work with Veterans and builders across the country.

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Get The most In your Budget.

VA Construction Loans are built to stretch your dollar further — with unique benefits that help Veterans build smart and save big from day one.

$0 Down Construction

Finance 100% of the land + construction costs with no down payment required for qualified Veterans.

No Mortgage Payments During Construction

Your construction interest is handled through an interest reserve, so you can focus on the build, not double housing costs.

One-Time Close = Big Savings

Avoid two closings and duplicate fees. A One-Time Close VA construction loan saves time, money, and stress.

Lower Rates Than Conventional

Because VA loans are government-backed, Veterans often qualify for more competitive rates than conventional construction loans.

Our Projects

Modern Barn House

On 25 acres near Tyler, TX, this Veteran is building an efficient modern barn house and insulated shop using a VA One-Time Close Construction Loan. With no down payment and Allegretto Homes guiding the build, this project delivers flexible living and workspace in one smart plan.

Custom Home in Henderson County, TX

A Veteran family in Henderson County, TX is building a 3,671 sq ft custom home using a VA One-Time Close Construction Loan. With land already owned and Floor Plans & More LLC handling the build, this project shows how VA benefits make homeownership simple, affordable, and personal.

Generational Luxury Home

In Heath, TX, a Veteran is building a 6,500 sq ft luxury home using a VA One-Time Close Jumbo Construction Loan. With land and construction financed in one step and BLR Contracting at the helm, this project showcases upscale, multi-generational living at its finest.

Modern Farmhouse

On 20 acres in Huntington, TX, a Veteran is building a custom 2,500 sq ft modern farmhouse using a VA One-Time Close Construction Loan. With land already owned and Petty Construction managing the build, this project blends style, durability, and zero-down financing.

Stick Build Home + Metal Workshop

Discover how a retired Veteran in Ralls, TX is using a VA One-Time Close Construction Loan to build a custom home and workshop on owned land—zero down, one closing, and built to last.

Frequently Asked Questions?

What is a VA Construction Loan?

A VA construction loan allows eligible veterans to finance the construction of a new home, including purchasing land if needed. It’s a One-Time Close (OTC) loan, meaning it combines the construction financing and permanent mortgage into a single transaction.

What are the benefits of a VA Construction Loan?

No second closing is required; everything is done upfront.
No mortgage payments during the construction period.
The loan is locked at the start with no need for a second appraisal after construction.
Extended lock periods up to 360 days with rate float-down options.
Construction loans are serviced in-house, ensuring a smooth process.
Soft costs and interest reserves are included in the loan.
Contingency funds (minimum 2%) are built into the loan to cover unexpected expenses.

What property types are eligible?

VA construction loans can be used for:

Site-built, single-family detached homes.
Modular homes, log homes, and barndominiums.
Manufactured homes (multi-width only; single-width- requires an exception).
Homes with accessory dwelling units (ADUs) built simultaneously with the primary residence.

Ineligible properties include container homes.