Construction Loans | $0 Down VA, 3.5% FHA, 5% Conv
Build your dream home with The 2 Mortgage Guys. One-time-close construction loans: VA $0 down, FHA 3.5% down, Conventional 5% down. Traditional two-time-close also available. Get pre-approved in 24 hours.
Construction Loans | $0 Down VA, 3.5% FHA, 5% Conv
Build your dream home with The 2 Mortgage Guys. One-time-close construction loans: VA $0 down, FHA 3.5% down, Conventional 5% down. Traditional two-time-close also available. Get pre-approved in 24 hours.
Build Your Dream Home Without the Nightmare
One-Time-Close FHA
One-Time-Close VA
One-Time-Close Conventional
Traditional Two-Time-Close
Most Construction Loans Fail Before the Foundation Is Poured
One-Time-Close
One Closing. One Rate Lock. One Less Headache.
Construction Loan Programs
One-Time-Close FHA
One-Time-Close VA
One-Time-Close Conventional
Traditional Two-Time-Close
How Construction Lending Actually Works
We Don't Just Do Loans. We Build Relationships.
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Builder Division Stats
319 Five-Star Reviews. Zero Complaints.
Two Guys. One Mission: Close Your Loan on Time.
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One-time-close and traditional construction loans designed for real people. FHA from 3.5% down . VA with $0 down . Conventional from 5% down .
3.5% down • Lock rate before construction
$0 down • For eligible veterans
5% down • Flexible terms
Standard construction + refinance
The construction lending process is notoriously complex. Most borrowers get blindsided by rate jumps, surprise closing costs, or builder requirements they didn't see coming.
One loan. One closing. Zero surprises.
Our one-time-close construction programs eliminate the biggest risk in construction lending: refinancing into a higher rate after your home is built. Your permanent rate is locked from day one, so you know exactly what your payment will be before the first wall goes up.
And if a traditional two-time-close makes more sense for your situation — we do those too . No cookie-cutter advice. Just the right loan for your build.
From first-time builders to experienced developers, we have a construction loan that fits.
3.5% Down Payment
$0 Down Payment
5% Down Payment
10–20% Down Payment
No jargon. No surprises. Just four clear steps from blueprint to front door.
Our dedicated Nationwide Builder Division was built from the ground up specifically for construction lending. While most lenders treat builder qualification as an afterthought, we have a team that specializes exclusively in builder relationships — from vetting and approval to draw management and final inspection.
We'll review and approve them on your behalf — most builders qualify quickly once we walk them through our process. Don't let lender restrictions kill your dream home.
Numbers that separate us from standard mortgage shops
Dedicated builder relationship managers on staff
Homebuyers trust The 2 Mortgage Guys because we treat every loan like it's our own. Here's what real clients say about working with Ryan and Steve.
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We're not a call center. We're not a faceless bank. We're two loan officers who believe that building a home should be exciting — not exhausting. We've helped hundreds of families finance new construction from the ground up, and we know every pothole in the road.
When you work with The 2 Mortgage Guys, you get direct phone numbers, honest answers, and a team that checks in on you after closing. That's why 319 clients have left us five-star reviews.
Tell us about your build. We'll match you with the right program and send you a detailed pre-approval letter within 24 hours.
Ryan or Steve will reach out within 24 hours to discuss your construction loan options.
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Everything you need to know about construction lending.
Every day you wait is another day of rent money gone forever. Let's talk about your construction loan options and get you pre-approved before you pick out tile.
Construction lending specialists serving builders and homebuyers nationwide.
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