• 1-888-795-9850
Facebook-f X-twitter Linkedin-in
contact us

Already Own Land? Start Building Now

Already own the land? Start building now...

You’ve already done the hard part—securing the land. Now it’s time to turn that property into your forever home. With a VA One-Time Close Construction Loan, you can roll your land into your construction loan and start building with $0 down (if full entitlement is available).

Whether your land is fully paid off or still has a mortgage, we can help you consolidate it into your VA construction loan and simplify your path to homeownership.

  • Use your existing land as equity toward your build
  • Consolidate your land loan into your VA construction loan
  • Avoid multiple closings with one streamlined process
  • Start construction faster with fewer financial hurdles

Already own land in Texas, Florida, Georgia, or beyond? We work nationwide to help Veterans like you build custom homes using their VA benefits.

Let’s turn that land into your dream home—efficiently, affordably, and with full VA support.

Why Wait to Build on the Land You Already Own?

If you already own land—whether it’s inherited, gifted, or purchased with a loan—you’re one step ahead. With a VA One-Time Close Construction Loan, you can start building your custom home without the hassle of two separate loans or large upfront costs.

Many Veterans don’t realize that you can roll the cost of your land (even with an existing mortgage) into your construction loan. This streamlines the process and accelerates your timeline to start building.

And unlike traditional construction loans, the VA option offers:

  • $0 Down for eligible Veterans with full entitlement

  • One Closing for land and construction

  • Lower Interest Rates and no private mortgage insurance

  • Flexible Options to build in rural, suburban, or urban areas

Whether your land is in Texas, Florida, Georgia, or anywhere in the U.S., our team helps Veterans build faster, smarter, and with fewer financial roadblocks.

Stop waiting. Your land is ready—and so are we.

You own the land-Now lets build.

If you’re a Veteran and already own your lot, here’s how to get started with a VA One-Time Close Construction Loan:

Get Pre-Approved

We’ll review your credit, VA eligibility, and land documents. Since you already own your lot, you’re ahead of the game — and you may be able to use your land equity toward your loan.

Choose Your Builder

Pick an experienced builder whom has built at least three homes in the past two years. They’ll provide a detailed cost breakdown and plans. We’ll help get everything reviewed and approved quickly.

Start Building

With everything in place, you’ll close on your construction loan and break ground. There’s just one closing — no need to refinance later. Once the home is complete, your loan turns into a regular VA mortgage.

Contact us

Frequently Asked Questions?

View All
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.
  • 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.
 

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.

Subscribe to our newsletter And stay updated.

Shirley Mueller

Sr. VP of Veteran Lending

NMLS ID: 336103

Quick Links

Contact

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Recipt of application does not represent an approval for financing or interest rate gurantee. Restrictions may apply, contact CrossCountry Mortgage for current rates and for more information.

CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. 

NMLS License #3029 | MB.803095 | NMLS Consumer Access | CFPB

© Copyright 2025 VA Construction Loan | All Rights Reserved.

Terms & Conditions | Privacy Policy | Disclosures & Licensing | Site Map