Own land—or buying land soon? Build with a VA construction loan.
Veterans and service members: discuss your land, builder and timeline with Security America Mortgage’s VA construction team.
- 0% down for eligible veterans with full VA entitlement
- No second closing.
- Save on closing costs
- Save on time
- Minimum 640 credit score (620–639 reviewed individually)
Tell us about your VA construction project
“Mark and Nadia were a pleasure to work with on my VA Construction loan.”
— S W, Google review · Read our Google reviews
How the VA Construction Loan 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
- 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.
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 the Founder & CEO of Security America Mortgage, Inc., which he has owned and operated since 2005.
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.
VA one-time close construction financing for your new primary home.
Start with your military eligibility, land plans and building timeline so a loan specialist can review your project.
- Military eligibility: Tell us whether you are a veteran, active-duty servicemember, eligible Guard/Reserve member or surviving spouse. Your Certificate of Eligibility (COE) helps confirm VA eligibility and available entitlement.
- Land plans: Already own a lot, have land under contract or still looking? Discuss your existing land or planned purchase as part of the construction review.
- Building timeline: Share when you intend to start construction, your desired completion date and whether you have selected a builder or house plans.
Plan your VA construction review
Before you move forward, a VA construction specialist will review three parts of your project:
- Your VA eligibility: military service, Certificate of Eligibility and available entitlement, together with income, credit and primary-residence requirements.
- Your land and builder: the lot you own or plan to purchase, site requirements, proposed builder, plans and construction budget.
- Your building timeline: your intended start, expected completion and how ready your land, builder and plans are. Timing depends on project review, approvals and construction progress.
Already own land? Tell your specialist whether there is a loan on it. Still looking? Ask how a planned land purchase can fit your construction financing. Approval and program availability are subject to review.
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.