VA Construction Loans

by Toni

in Construction Loans

Modern home under construction

Image via Wikipedia

Thinking of building a home and wondering if you can use a va home loan for financing? If you are a veteran then you may have this option available and getting a new home built may be easier than you think.

Basic VA home loan requirements:

  • Serve or have served in the US Military, Reserves or National Guard
  • Have an honorable discharge status
  • Have qualified Service Time Requirements:
  • 90 or more days active duty service during active wartime
  • 181 days or more of active duty service during peacetime
  • Currently active duty service and meet the 90 or 181 days requirement
  • Non-remarried surviving spouse of veteran who died during service or because of service related injuries
  • Are approved for your credit score and can verify employment

Additional guidelines for getting a va home loan in order to build a new construction home are:

  • There must be a warranty on the home
  • The builder being used must be a “va-approved” builder-consult with a va home loan specialist to find a va approved builder
  • Builder must posses Valid Va Builder identification number
  • If your builder does not have a valid Va Builder ID # and you want the benefits of a va home loan, your mortgage professional can help get your builder approved.
  • New construction must meet additional inspection requirements
  • New home must meet accepted standards of good construction
  • New construction must fit specifications and plans, which the va home loan appraisal is based on.

(The following 3 items must be filled out and submitted to VA prior to va home loan notice of value being issued)

  1. Builder information and certification form
  2. Va form 26-421 Equal Employment Opportunity Certification
  3. Va form 26-8791 Va Affirmative Marketing Certification

Related posts:

  1. VA Home Improvement Loans
  2. Build Your Dream Home Using Your VA Loan.


Roland Thompson June 22, 2011 at 1:34 pm


I am interested in the VA Construction Loan program and was wondering if my intentions are something that you might be able to work with me.

I live in Honolulu, HI and I have a piece of property in mind for a home. I am interested in purchasing the property and beginning construction on Phase I of a 4-Phase home. The loan would be for the property and for Phase I of the home.

Do you think this is something within the realm of possibility? I have checked all of the local lenders and they aren’t currently performing any construction loans.

Thank you for your reply.

R. Thompson

themightyquin August 10, 2011 at 7:04 pm


Here is everything you need

Brice D. Sawyer March 13, 2012 at 12:06 am

I am looking to build on an empty lot. I was woundering how much I would be able to get to be able to start building. Please e-mail me

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