VA Loan Product
VA Construction Loan
Build your custom home with your VA benefit — $0 down.
Quick answer
VA rules allow a VA-guaranteed loan to be used to build a home, but relatively few lenders offer VA construction financing and requirements vary widely. This page explains the program; ask whether it is available for your state and builder before planning around it.
Educational program overview. Whether Bolt Home Loans LLC can offer this loan to you depends on your state, eligibility, property, and underwriting approval. No rates or terms are quoted here.
Building from the ground up doesn't have to mean two loans, two closings, and a stack of fees. The VA construction loan wraps the build and the permanent mortgage into one file with the same veteran-friendly terms.
What you get
- Construction and permanent financing may be combined, depending on the lender
- $0 down possible with sufficient entitlement and lender approval
- Builder requirements are set by VA and the lender
- Availability is limited; confirm before planning a build
How it works
- 1Start a prequalification inquiry.No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
- 2Get your COE.We pull it for you in most cases through the VA's system.
- 3Close with a dedicated loan officer.Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.