The Mortgage Sensei

VA NEW CONSTRUCTION · 11 STATES

VA Loans for New Construction

Use your VA entitlement to build or buy new. Duane works through builder and property requirements with veterans in the 11 states where I am licensed.

Licensed in 11 states

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No-pressure advice

WHAT IT IS

VA benefits on a new home

A VA loan can finance a new home from a builder, and some lenders offer VA construction-to-permanent loans. Eligible borrowers keep the core VA benefits, including no down payment and no monthly mortgage insurance.

New homes must meet VA minimum property requirements, and builders may need to follow VA inspection steps. Not every builder or lender participates, so it helps to start early.

No down payment

Eligible borrowers can finance without a down payment, subject to lender and property rules.

VA appraisal and inspections

New homes follow VA property requirements, with inspections tied to the build stages.

Builder coordination

I help you talk to builders about VA requirements before you sign.

Reuse your entitlement

If you used VA benefits before, your remaining or restored entitlement may apply.

HOW IT WORKS

From eligibility to keys

01

Confirm eligibility

Get your Certificate of Eligibility so we know your entitlement.

02

Pick builder and plan

Choose a builder who is comfortable with VA financing.

03

Lender review

We confirm the contract, plans and property meet VA and lender requirements.

04

Build and close

Inspections follow the build, then the loan closes or converts at completion.

LOCAL KNOW-HOW

VA new construction in 11 states

Program availability can vary by state and by lender. I check what is offered where your property is located.

Virginia

Hampton Roads, Northern and Central Virginia

Large veteran communities sit near many new build neighborhoods across the state.

Tennessee

Clarksville, Nashville and East Tennessee

Tennessee's growing suburbs offer new communities where VA financing is often used.

Georgia

Atlanta, Savannah and Columbus

Georgia's military communities and growing metro areas give veterans many new build options.

FAQ

VA new construction questions

Can I build on my own lot with a VA loan?

Some lenders offer VA construction loans, but guidelines are strict and availability is limited. Ask me what is offered.

Are there loan limits?

Veterans with full entitlement generally have no VA loan limit, though lender rules and the appraisal still apply.

Does the funding fee apply?

For most borrowers, yes, unless exempt, for example with a service-connected disability rating. I check your status.

NEXT STEP

Veteran planning a new home?

Share your builder and timeline and I will outline the steps. No obligation.

Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.