Business Details
Trusted VA One-Time Close Construction Loan Lender in Houston
Security America Mortgage has been a trusted partner for veterans and military families seeking homeownership through innovative VA loan solutions. Our expertise in VA One-Time Close Construction Loans streamlines the homebuilding process, eliminating the need for multiple closings and reducing costs for qualified borrowers. With a focus on 0% down payment options and personalized service, we specialize in navigating the complexities of VA construction financing. Our team of licensed professionals brings decades of combined experience in mortgage lending, ensuring clients receive expert guidance from land acquisition through final mortgage conversion.We maintain strict compliance with VA guidelines while advocating for our clients' needs, offering transparent communication and tailored financial solutions. Our commitment to excellence is reflected in our 5-star customer reviews and long-standing reputation as a leader in VA construction loan programs.
Services
VA One-Time Close Construction Loan
FHA One-Time Close Construction Loan
Conventional One-Time Close Construction Loan
VA Rehab Loan
VA Jumbo Loan
Mortgage Calculators
VA Renovation Loan
VA Builders Map
Highlights and features
- We offer VA One-Time Close Construction Loans with 0% down payment options
- Our team has decades of combined experience in VA construction financing
- We combine construction and permanent financing into a single transaction
- We provide personalized service with licensed loan officers available 24/7
- Our process includes VA-approved builder verification and project oversight
What people say
Exceptional service
Very patient
LIFESAVER
AMAZING at what she does
Work tirelessly
Services
VA One-Time Close Construction Loan
This specialized mortgage program combines construction financing and permanent mortgage into a single transaction. Veterans can build custom homes with 0% down payment while avoiding multiple closings. The loan covers land purchase, construction costs, and permanent financing through a structured draw schedule. Our VA-approved builders ensure compliance with all program requirements.
FHA One-Time Close Construction Loan
Designed for borrowers with lower credit scores or limited down payment funds, this government-backed loan requires just 3.5% down payment. It combines construction and permanent financing with flexible credit requirements, making homeownership accessible to first-time buyers and those with moderate incomes.
Conventional One-Time Close Construction Loan
This mortgage option provides financing for both construction and permanent mortgage in one transaction. Ideal for credit-worthy borrowers building on city lots or rural properties, it offers competitive rates without government backing. The loan converts to a standard 15- or 30-year mortgage upon completion.
VA Rehab Loan
This program finances major home improvements through VA loan benefits. Borrowers can upgrade existing properties using specialized loan options that cover both purchase and renovation costs. The loan includes detailed project approval and contractor verification processes.
VA Jumbo Loan
Designed for high-value properties exceeding standard VA loan limits, this program offers competitive rates with no down payment requirement. It provides financing for luxury homes while maintaining VA loan benefits like no private mortgage insurance and favorable underwriting guidelines.
People
Garrett Puckett
CEO
With extensive leadership in mortgage finance, Garrett directs Security America Mortgage's strategic vision while maintaining focus on veteran homeownership. He oversees all VA loan operations and ensures compliance with federal regulations.
Jason Noble
COO
As Chief Operating Officer, Jason manages daily operations and loan processing. He specializes in VA construction loans and has helped hundreds of veterans achieve homeownership through personalized guidance and expert process management.
Mark Vela
RMLO
Mark serves as a licensed mortgage loan officer with expertise in VA loan programs. He provides direct client support across time zones, maintaining availability for consultations outside standard business hours to accommodate military schedules.
Questions
What is a VA One-Time Close Construction Loan?
This VA loan program combines construction financing and permanent mortgage into one transaction, allowing veterans to build custom homes with 0% down payment and a single closing process.
Who qualifies for VA construction loans?
Eligible veterans must have a Certificate of Eligibility, minimum 620 credit score, debt-to-income ratio below 41%, and intent to occupy the home as primary residence using a VA-approved builder.
How does the construction loan process work?
The process combines construction financing and permanent mortgage approval upfront. Funds are released in stages tied to construction milestones, with final conversion to standard mortgage upon completion.
What are the benefits of one-time close loans?
Benefits include single qualification process, lower closing costs, interest rate lock for construction and permanent financing, and elimination of re-qualification risks during construction.
Can I use VA loans for land purchases?
Yes, VA One-Time Close Construction Loans allow financing for land purchase combined with home construction, provided the property will serve as primary residence.
How long does VA construction loan approval take?
The approval process typically takes 30-45 days after submitting complete documentation, including builder verification, construction plans, and borrower financial information.
Reviews (7)
Paige Le
Dec 04, 2021
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Jason Noble, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, NMLS 352672
After hours of unsuccessful research, I called Jason Noble with important questions he was able to answer in minutes! Jason was extremely knowledge and helpful, I give him the highest praise for outstanding customer service. I look forward to my experience working with him.
After hours of unsuccessful research, I called Jason Noble with important questions he was able to answer in minutes! Jason was extremely knowledge and helpful, I give him the highest praise for outstanding customer service. I look forward to my experience working with him.
Tanya Self
Mar 25, 2021
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I was to close on our new construction home this morning at 10:30 but its now 1:45 and the lender hasnt sent all the paperwork. We started the process back in September so the process hasnt been quick. We were able to do the one time close construction loan through the VA since they opened the process back up. If this want my last house I would NEVER go through this process again with the VA. It has been an awful process and the loan originator/ his assistant have NOT been easy to work with. The assistant missed, over looked, or just didnt tell us what was needed. I would not recommend
John Stone
Dec 10, 2020
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Any veterans considering a VA Home loan need to contact these folks. From day-one, we were professionally guided through every step. Jason Noble was so efficient and knowledgeable our realtor said he was the best she had ever worked with. No matter what we threw at them, they had the answers and experience. Jason could crunch numbers in seconds, and explain each step like it was second nature. Stacy Drury guided through the final process and was so kind when we started stressing towards the end. She had it all under control and handled the underwriters without a hitch. We wholeheartedly recommend
Amber Lokanc
Oct 06, 2020
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This was a great company to work with. Friendly professional people that were timely with the process and were patient with their communication when we had questions. Would use the again in a heartbeat. Thank you!
Cris Romero
Sep 29, 2020
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They we're helpful people when it came to explaining everything. A day right before signing, I was told that they could not proceed due to them not verifying important information that should of been verified from the beginning. Ended losing over $2000 dollars. Just because they "missed verifying information".
Gabriel Remijio
Aug 10, 2020
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Great company! They worked with me for over a year assisting me with getting in a position to buy a home. Through new jobs, credit repair, and evening budgeting for it. I highly recommend working with this company and Edward when getting a home loan. Edward was the best!
Kyle Lokanc
Jun 20, 2020
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My experience with Security America has been amazing. No complaints. We felt like we were a high priority customer to them which was much appreciated. They were efficient and also thorough when needed. I would recommend them to a friend.
