The #1 Choice for
VA One-Time Close Construction Loans Nationwide
Security America Mortgage is more than just a mortgage company. We specialize in helping you navigate the VA One-Time Close Construction Loans process with ease.
Finance Your Land, Build, and Mortgage with 0% Down and ONE Closing. Stop the Two-Close Hassle.
We are proud to serve our service members by providing affordable mortgages to Veterans and their military families.
Call now to speak with a Licensed Loan Officer or Customer Service Agent, or fill out our quick form and we will call you back.
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Need a Non-VA Construction Solution?
We are expert Construction Loan Lenders across the government and conventional spectrum.
We are your VA One-Time Close Construction Loans Experts
What Is a VA One-Time Close Construction Loan?
A VA One-Time Close Construction Loan, also known as a VA OTC loan, is a unique mortgage program that makes it easy to build a new home with a VA loan for those who qualify.
Unlike other single close construction loans / VA construction loans which require 2 loans, the single close loan requires only one, which means no costs for a second closing. It’s insured by the U.S. Department of Veterans Affairs and made available through VA-approved private lenders.
Who Qualifies for a VA OTC Loan?
To be eligible for a VA One-Time Close Construction Loan, you must:
- Have a valid Certificate of Eligibility (COE) from the VA.
- Meet credit score requirements, typically 620 or higher.
- Maintain a stable income and meet residual income standards.
- Have a DTI (debt-to-income) ratio below 41%, although exceptions may apply with higher residual income.
- Build a primary residence only VA loans cannot be used for investment or vacation properties.
- Use a VA-registered builder with a valid VA Builder ID.
Our Construction Loan
We have a home loan that fits your needs. VA One-Time Close Construction Loan, FHA, Construction, Conventional, and more. Purchase or Refinance with Security America Mortgage.
Our Team Members
Our reviews speak for themselves
★★★★★
a week ago
Mark was great. Since we were in a different time zone, he would stay after work to talk to us. Throughout the process, he was very patient and answered all of the many questions we had about our VA loan. We would highly recommend him and his team.
★★★★★
a month ago
Let me first say that this is truly a testimony. My husband and I started our journey with Security American Mortgage about 2 years ago. We have been through 3 sets of plans and 2 builders that needed to be VA approved, which this was achieved. I must say during this process both Jason and Sandra have been exceptional to work with. My husband and I understood each step of the process (VA Construction) and communication was effective and done in a timely manner. Both Jason and Sandra worked tirelessly to help make our dreams come true...glory be to God. Thank you all at Security American Mortgage!!!!
★★★★★
2 months ago
Karen S. was a LIFESAVER to my family and I when buying our first home. We had an issue with a previous lender which caused many issues when closing but luckily we got in contact with Karen and she helped us get the home we wanted, close on time and making the home buying process a complete success for my family and I. We are so happy she helped us out, she's AMAZING at what she does and I cannot be happier. I definitely recommend Karen S. and her team. They know what they are doing and make sure everything is 100% explained and understood with her customers.
★★★★★
3 months ago
I have been in real estate 🏡 for about 13 years and since then I have been referring my clients to Jason and he and his team have always done an awesome job. My hubby and I decided to buy a home using the VA loan and we couldn’t have bought it if it wasn’t for Jason and Nadia knowledge and experience helping vets to achieve this ultimate dream. It was a long process and they were there with us in each step. It was a remarkable experience. My hubby couldn’t believe that it was possible to get a home with the VA loan in a market that is all about investors and cash offers. Yet, with God and Security American 🇺🇸 Mortgage it was possible. Thanks 🙏🏼 guys!!! We will keep referring you to clients and family.
★★★★★
3 months ago
I have been in real estate 🏡 for about 13 years and since then I have been referring my clients to Jason and he and his team have always done an awesome job. My hubby and I decided to buy a home using the VA loan and we couldn’t have bought it if it wasn’t for Jason and Nadia knowledge and experience helping vets to achieve this ultimate dream. It was a long process and they were there with us in each step. It was a remarkable experience. My hubby couldn’t believe that it was possible to get a home with the VA loan in a market that is all about investors and cash offers. Yet, with God and Security American 🇺🇸 Mortgage it was possible. Thanks 🙏🏼 guys!!! We will keep referring you to clients and family.