Build Your Dream Home with VA Construction Loan

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.

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.

VA Construction Loan Expert, SHIRLEY MUELLER

Since 2003, VA loan expert Shirley Mueller has helped thousands of Veterans successfully navigate the VA home loan process, with a specialized focus on VA Construction Loans and VA One-Time Close Construction Loans.

With more than two decades of mortgage experience, Shirley is recognized for her expertise in VA home construction financing and her commitment to serving those who served. Her career reflects consistent performance, industry recognition, and a deep understanding of the unique guidelines surrounding VA construction lending.

Shirley and her team proudly help Veterans and active-duty military members maximize the VA home loan benefits they’ve earned — whether purchasing land, building a custom home, or financing new construction from the ground up.

Through VAConstructionLoan.net, Veterans across multiple states receive clear, straightforward guidance on their VA Construction Loan options, from initial prequalification through final home completion.

Trusted By Veterans Nationwide

Of experience helping Veterans

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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.

Serving Veterans Across Multiple States

We proudly assist Veterans and military families across multiple states, providing expert guidance on VA Construction Loans while carefully navigating varying state guidelines and requirements. We follow applicable property tax exemption rules in each state we serve to help borrowers maximize their benefits.

For areas outside our direct lending footprint, we strive to offer the best possible guidance by connecting borrowers with trusted, properly licensed lending partners.

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.