Build Your Dream Home—With a Construction Loan
Finance the land, materials, and labor—all in one loan.
Perfect for buyers building from scratch or taking on major renovations.
No Down Payment. No PMI. No Hassle—With a VA Loan
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
Buy or refinance a home with no down payment and flexible qualification standards.
What Is a Construction Loan?
A VA loan is a government-backed mortgage guaranteed by the U.S. Department of Veterans Affairs. It helps eligible military borrowers buy, build, or refinance a home with no money down, no private mortgage insurance, and competitive interest rates.
How It Works
🏗️ Covers land + construction costs
💸 Draws are released in phases as work is completed
📆 Short-term financing (typically 6–18 months)
🔄 Convert to permanent loan after construction (Construction-to-Perm option)
Why Use a Construction Loan?
Whether you're building a custom home or rebuilding after teardown, a construction loan gives you the flexibility and control to do it your way—with lender oversight to keep the project on track.
Why Builders Choose Construction Loans:
🏡 Finance land + building together
📏 Custom-build your ideal home
💰 Pay interest only during construction
🔄 Roll into permanent mortgage when done
📐 Ideal for new builds and large remodels
Construction Loans FAQs
Yes. Most lenders require a licensed contractor or builder before approval.
Funds are released in "draws" as each construction phase is completed.
Yes! A construction-to-perm loan converts automatically once the home is finished.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.