VA Announces VA Construction Loan - Becoming Very Popular!

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Did you know you can use your VA Home Loan to not only buy a home but also to build one from the ground up? That’s right — the VA Construction Loan is gaining popularity among veterans and service members who are struggling to find the perfect home in today’s competitive housing market.

In this video, I break down how VA construction loans work, the benefits, and what you need to know before starting the process. From buying land to working with approved builders, I’ll share insights on timelines, requirements, and lender differences so you can make an informed decision.

What You’ll Learn in This Video:

How VA Construction Loans work compared to traditional VA Loans

The benefits: no down payment, no PMI, and no VA funding fee (with disability rating)

Lender requirements & why not every lender offers this program

One-time close vs. two-time close VA construction loans

What documents you’ll need (income, assets, credit check, etc.)

Why choosing the right builder and plans is critical

How escrow draw schedules and payments work during construction

Out-of-pocket costs and realistic timelines (6–12 months or longer)

Options for custom homes, modular, barndominiums, and even multi-family builds

Why This Matters:

The VA Home Loan isn’t just for buying an existing house. If you’ve been searching with no luck, building your dream home might be the smarter path. But VA Construction Loans are more complex — you’ll need to work with lenders who specialize in them and understand the process from start to finish.

✅ Whether you’re Active Duty, a Veteran, or a Military Spouse, this video will give you the knowledge to leverage your earned benefits the right way.

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DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

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