VA Home loan ✅
Construction Loan ✅
Rehab Loan ✅
All Home Loan Expert ✅

Security America Mortgage is more than just another VA Approved Private lender We specialize in helping you navigate the VA One-Time Close Construction Loan process with ease. The VA doesn’t do VA loans. VA lenders and Brokers do. We aren’t affiliated with the U.S. Department of Veterans Affairs and neither is any other Broker or Lender doing VA Loans.

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 One Time Close Construction 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.

VA Home Loan & One time Close Construction Loan Lender

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.

One-Time Close Construction Loan

One Time Close loans are designed specifically to simplify the homebuilding process. They eliminate the need for separate approvals and closings by combining construction and permanent financing into one transaction.

VA One-Time Close Construction Loan

Build your dream home with a VA One Time Close Construction Loan. Veterans who own land already qualify easier. But even if you don’t own your land, you could still buy land and build with zero down.

VA Loan

No down payment is required on VA loans but of course you have to have assets as reserves. Without any money in the bank you don’t have protection against tougher economic times, job loss, etc. Your debt to income ratio helps determine if you qualify for a VA loan.

What makes us the best VA Construction Loan Lender

Legitimate VA construction loan lenders like Security America Mortgage do a VA one time close construction loan whereas some lenders will tell you to go find construction financing and then seek a permanent VA loan when completed.

Rehab Loan

If you’re exhausted procrastinating on that extensive project get ready because we have everything you need in order to utilize the top Rehab Loan options in the country, to upgrade your existing home.

Construction loan calculator

Construction loans can be confusing and vary quite a bit so it’s important you experiment with loan calculators to see various closing costs and total interest paid forecasts.

Our Team Members

Garrett Puckett

Garrett Puckett

CEO

Jason Noble

Jason Noble

COO

Mark Vela

Mark Vela

RMLO

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!