Building your Custom Two Structures Homes with a VA Construction Loan

A Better Way to Build for Those Who Have Served



If you’re a Veteran or active-duty service member dreaming of a brand-new home, a VA construction loan can make it possible - especially when you partner with an experienced Oklahoma builder like Two Structures Homes.



This program allows qualified Veterans to finance land + construction together, often with little or no down payment. But since VA construction lending can be tricky, having the right team - lender + builder - is key.



Main Takeaways



Short-term, flexible financing: VA construction loans can be one-time close or two-time close depending on lender and borrower.




  • No builder ID required: Builders no longer need a VA Builder ID, but the finished home must still meet VA Minimum Property Requirements.

  • Most lenders don’t fund construction: Many, like Veterans United Home Loans, fund the permanent loan after construction - not the build itself.

  • 0% down is rare today: A true no-down-payment VA construction loan exists, but it’s uncommon in today’s lending environment.

  • Refinance path: Most Veterans use a traditional construction loan first and then refinance into a VA loan once the home is complete.



What Is a VA Construction Loan?



A VA construction loan lets eligible Veterans buy land and build a custom primary residence with short-term financing that converts into a VA mortgage.



Two main options:




  1. One-Time Close Loan: One closing covers both construction and permanent mortgage.

  2. Two-Time Close Loan: Separate closings for construction and the VA mortgage later.



The VA doesn’t lend money directly, it guarantees a portion of the loan issued by a private lender, reducing risk and often eliminating the need for private mortgage insurance.



VA Construction Loan Requirements



To qualify, you must meet VA home loan eligibility requirements plus a few new-construction extras:




  • Certificate of Eligibility (COE) from the VA

  • Licensed and insured builder (like Two Structures Homes)

  • Complete construction plans and specs for appraisal

  • Home must meet VA property standards and local codes

  • Primary residence use only (no investment properties)



At Two Structures Homes, our builds already meet or exceed VA standards through Energy Star certification, post-tension foundations, 2×6 walls, and advanced HVAC design.



The Process Step by Step



1. Confirm Your Eligibility - Request your COE and ensure you meet service and entitlement criteria.



2. Find a VA-Experienced Lender - Many Oklahoma lenders, such as Veterans United, Navy Federal, and local credit unions, offer VA construction refinance options. We can help you connect with trusted local partners.



3. Choose Two Structures Homes as Your Builder - We specialize in affordable custom homes throughout the OKC metro - Edmond, Mustang, Deer Creek, and Yukon. Our plans are flexible and built around your lifestyle.



4. Loan Approval and Appraisal - Your lender orders a VA appraisal based on our approved plans and specs. Once approved, construction funds are released in stages (“draws”).



5. Construction Phase - We manage everything from foundation to final inspection, maintaining clear communication through our Buildertrend portal so you always know what’s next.



6. Final Inspection & Permanent VA Mortgage - Once the home is finished, a VA inspector confirms it meets all standards. Your loan then converts to a VA mortgage - and you move into your brand-new home!



 Why Build with Two Structures Homes?



Transparency & Trust: We guide you through every step - from lot prep to loan coordination.

Energy Efficiency: Our homes save money on utilities today and tomorrow - with rising energy prices, that’s a long-term win.

Healthy Living: Non-smoking designs, HVAC zoning and air quality systems create healthier homes for Veterans and families.

Built Better Promise: We use 2×6 framing, LVL/LSL headers, and post-tension foundations to ensure your home lasts for generations.



 Pro Tips from Our Team




  • Plan ahead: Start loan pre-approval and land selection early.

  • Compare lenders: Each has different policies on VA construction draws.

  • Keep finances steady: Avoid major credit changes or job moves during construction.

  • Document everything: VA loans require inspections and draw reports at each stage.

  • Lean on your builder: We help with submittals, inspections, and paperwork so you can focus on your future home.



 Serving Those Who Served



At Two Structures Homes, we believe Veterans deserve homes as strong as the people who build them. From your first meeting to move-in day, we’re honored to walk beside you - making the loan process simpler and the build experience exceptional.





 Ready to Get Started?



Let’s talk about your VA construction loan options and design your dream home today.



Two Structures Homes

Building Better for Oklahoma Veterans

Edmond • Mustang • Deer Creek • Yukon • Oklahoma City

405-509-9435  www.TwoStructuresHomes.com