VA One-Time Close Construction Loan

Build your home and lock your permanent VA mortgage in a single closing. Veteran-owned guidance for eligible veterans across ten states.

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What it is

Build your home with one VA loan, one closing

A VA One-Time Close construction loan lets eligible veterans finance building a new home and the permanent mortgage that follows in a single closing. Instead of juggling a separate construction loan and a separate permanent loan, you handle everything once, with one set of closing costs.

Home Loans Inc is veteran-owned. We guide fellow veterans through construction financing the way we would want it explained to us.

Why veterans choose it

The advantages of One-Time Close

One closing

Construction and permanent financing are combined, so you sign once and pay one set of closing costs.

Zero down for eligible veterans

Build with no down payment when you have full VA entitlement, the core VA benefit.

One set of terms

Your financing is set at a single closing rather than reset partway through the build.

Less paperwork

One loan, one application package, one underwriting process instead of two.

VA protections

The same VA backing and consumer protections that make VA loans a strong path to ownership.

Veteran-owned guidance

A broker who has served, walking you through builder and eligibility requirements.

Who it fits

Eligibility and the basics

VA One-Time Close is for eligible veterans, active-duty service members, and qualifying surviving spouses building a primary residence. You will work with an approved builder, and the home must meet VA requirements. We confirm your entitlement, explain the builder requirements, and map the steps before you commit.

Keep exploring

Related VA programs

VA Loans

The full VA purchase program for eligible veterans.

Learn more →

Construction Loans

Other paths to financing a home you build.

Learn more →

VA IRRRL

The VA streamline refinance for existing VA loans.

Learn more →

Building with your VA benefit? Let’s talk

Home Loans Inc: Jason Sharon, Mortgage Broker

2557 Ashley Phosphate Rd, North Charleston, SC 29418

(843) 569-7283 · Text us · jason@homeloansinc.com

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Common Questions

Frequently asked

It is a VA-backed loan that combines construction financing and your permanent mortgage into a single closing, so you finance building your home and living in it with one loan and one set of closing costs.
Eligible veterans can typically build with no down payment, the same core benefit that makes VA purchase loans so valuable. We confirm your eligibility and entitlement first.
A two-close approach uses one loan to build and a separate loan to convert to permanent financing, meaning two closings and two sets of costs. One-Time Close handles both in a single closing.
Eligible veterans, active-duty service members, and qualifying surviving spouses building a primary residence. As a veteran-owned broker, we will walk you through eligibility and the builder requirements.