VA Construction Loan Texas — Build Your Dream Home with $0 Down
Ready to build from the ground up? With a VA construction loan, eligible veterans can finance land, construction costs, and permanent mortgage — all with $0 down and no PMI. From custom homes on acreage to barndominiums in the Hill Country, Adam Bartling and his team specialize in making veteran homebuilding dreams a reality across Texas and 30+ states.
VA Construction Loan Options in Texas
Both options deliver the full power of your VA benefit — $0 down, no PMI, and competitive rates. The difference is in the structure and timing.
VA One-Time Close (OTC)
One loan. One closing. One rate lock. Combines your land purchase, construction financing, and permanent mortgage into a single loan. Lock your rate before construction begins — no requalification when the build is complete.
VA Construction-to-Permanent
Two-phase flexibility with full VA benefits. Construction financing that automatically converts to a permanent VA mortgage once your home is complete. Ideal for complex builds or longer timelines.
🛡️ Your Rate Is Protected — Guaranteed
When you close your VA construction loan, your rate is locked and protected in two directions. If rates rise during construction, you’re fully protected — your rate will never go up. If rates drop by more than 0.25%, you benefit from that decrease. Security in both directions.
Ask Us How It Works →
What Can You Build with a VA Construction Loan?
VA construction loans offer incredible flexibility. Build the home that fits your lifestyle — in the city, suburbs, or out in the Texas Hill Country.
Custom Home
Design from scratch with your architect and builder
Barndominium
Barn-style living with open layouts — popular across rural Texas
Tear-Down & Rebuild
Demolish an existing structure and build new on the same lot
Raw Land Build
Purchase land and construct in the city or country
Subdivision Home
Work with builders in planned communities
Bring Your Builder
Use your own licensed, VA-registered contractor
Texas is booming. With incredible growth across the state — from Houston suburbs to Hill Country acreage to DFW developments — now is a great time to build. Adam’s team serves veterans building across all 254 Texas counties and all major Texas construction markets.
Our Rigorous Builder Verification Process
Your construction loan is protected by a comprehensive review process that ensures your builder is qualified, experienced, and ready to deliver. This is one area where we never cut corners.
📋 VA Registration Required
All builders must be registered with the VA and hold a VA Builder ID. This is non-negotiable — it validates the builder’s commitment to VA standards and protects you as the borrower.
📊 3-Year Experience Review
Our construction department reviews each builder’s track record over the past 3 years — verifying relevant experience and a history of successful project completions similar to yours.
🤝 Supplier & Sub Verification
We check the builder’s standing with their suppliers and main subcontractors — a reliable indicator of payment history, professionalism, and how they run their operation.
📐 Construction Plan Review
Your plans are reviewed by our construction department and appraised for market value — ensuring your project is feasible, properly scoped, and not overpriced before a dollar is committed.
🔒 Licensed & Insured
We confirm all required licenses are current and adequate liability insurance is in place — protecting you from any issues that arise during construction.
⭐ Proven Track Record
We ensure your builder is a professional company with a proven record of delivering for their clients. Your dream home deserves nothing less than a builder who has done it before.
💡 Why Get a Construction Loan Even if You Have Cash?
Even veterans with the cash to build outright benefit from the loan structure. We verify builder credentials and costs, a third-party inspector signs off at each of 5–7 construction draws before the builder is paid, and your capital stays protected throughout the project. Let us manage the financial side so you can enjoy the process.
Ready to Start Your Texas Build?
Get started with a fellow Army Veteran who knows construction loans inside and out. No credit check, no obligation — just honest answers about your project.
LET’S TALKThe VA Construction Loan Process — Step by Step
From your first conversation to move-in day, here’s how we guide you through every phase.
Free Consultation
Discuss your vision, budget & timeline with Adam
Pre-Qualification
Verify VA eligibility and determine your buying power
Builder Verification
We vet your builder’s credentials and experience
Plan Review
Plans reviewed, appraised, and approved
Loan Closing
Close your loan and lock your rate (45–60 days)
Construction Begins
Builder starts work on an inspected draw schedule
Progress Draws
5–7 inspected draws protect your investment
Move In!
Final inspection, certificate of occupancy, enjoy your home
VA Construction Loan Benefits
All the power of your VA benefit — now for new construction.
$0 Down Payment
Finance 100% of land and construction costs
No PMI — Ever
Save hundreds monthly with no mortgage insurance
Rate Lock Protection
Locked before construction — protected from increases
Land Equity Counts
Already own land? Your equity counts toward the project
Flexible Build Types
Custom homes, barndominiums, tear-downs & more
Competitive VA Rates
Typically lower than conventional construction financing
VA Construction Loan FAQs — Texas 2026
Common questions Texas veterans ask about building with a VA loan. Ask us anything →
What is a VA One-Time Close construction loan?
It combines your land purchase, construction financing, and permanent mortgage into one single loan with one closing. You lock your rate before construction begins, avoid multiple applications, and when the build is done your loan automatically converts — no requalification needed.
Can I build a barndominium with a VA loan in Texas?
Yes — VA construction loans can be used to build barndominiums across Texas. The structure must meet VA minimum property requirements, be on a permanent foundation, and serve as your primary residence. Adam’s team has experience financing barndominium projects throughout the state.
Do I need a down payment for a VA construction loan?
No down payment is required for eligible veterans with full entitlement. You can finance 100% of land and construction costs. If you already own land, your equity can count toward the project and may reduce your VA funding fee.
What are the builder requirements for a VA construction loan?
Builders must be registered with the VA (VA Builder ID), licensed, and insured. Our team goes further — we review 3 years of experience, verify standing with suppliers and subcontractors, and confirm a proven track record before any loan is approved.
How long does a VA construction loan take to close?
Typically 45–60 days. The process includes plan review, appraisal of the proposed build, builder verification, and standard VA underwriting. Having complete plans and a verified builder ready at the start will help streamline your timeline.
How are construction draws handled?
Construction is funded through 5–7 draws during the build. A third-party inspector verifies each phase is completed to code before the builder receives payment — protecting your investment at every step. You approve each draw before funds are released.
Can I buy raw land and build with a VA loan?
Yes — the VA construction loan can finance the land purchase, all construction costs, and your permanent mortgage together. Land must have access to utilities and an all-weather road, but beyond that you have wide latitude to build where you want to live.
Can I tear down an existing home and rebuild with a VA loan?
Yes. VA construction loans cover tear-down and rebuild projects. If you own a property with an outdated or damaged structure, you can demolish it and build a new custom home on the same lot — a great option for veterans who love their location but need a new home.
What happens to my rate during construction?
Your rate is locked at closing and protected in both directions. If rates rise, your locked rate never goes up. If rates drop more than 0.25% during construction, you benefit from that decrease. This dual protection gives you security and upside throughout the build.
Is a VA construction loan right for a first-time homebuyer in Texas?
It can be an excellent option for eligible veterans who want to build rather than buy. Pair it with our first-time homebuyer guidance and you’ll enter homeownership in a home built exactly the way you want it — with $0 down.
Explore Other Loan Programs
Let’s Build Your Dream Home Together
Your service earned this benefit. A fellow veteran is ready to guide you from your first conversation to move-in day — no upfront credit check, no pressure, just honest guidance.
LET’S TALK
Adam Bartling & Team | Loan Officer NMLS# 2213358 | Movement Mortgage NMLS# 39179
Serving Texas & 30+ States | Equal Housing Lender