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 TODAY!

One-Time-Close VA

One-Time-Close FHA

One-Time-Close Conventional

Traditional Two-Time-Close

Tired of Searching for a Home That Doesn't Exist?

The "Existing Home" Trap

Buy Land. Build New. Build Right.

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One-Time-Close

Finance your Land. Finance the Build. One Loan.

Construction Loan Programs

One-Time-Close VA

One-Time-Close FHA

One-Time-Close Conv.

Traditional Two-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 .

$0 down • For eligible veterans

3.5% down • Lock rate before construction

5% down • Flexible terms

Standard construction + refinance

You scroll listings daily. Drive through neighborhoods that peaked in 1987. Compromise on layout, location, and condition — then pay top dollar for the privilege.

You don't have to keep scrolling Zillow hoping the perfect house appears. You can create it. We finance the dirt, the build, and the finished home — all in one loan.

Before you settle for someone else's compromises, here's what a one-time-close construction loan can do for you.

One loan. One closing. Zero surprises.

With a one-time-close loan, you pay for one appraisal, one set of closing costs, and one loan — not two. Traditional two-time-close loans force you to close once for construction, then refinance again when the home is finished. That means double origination fees, double title work, and double the paperwork. Our one-time-close programs eliminate that second closing entirely, typically saving buyers thousands in duplicated fees and out-of-pocket costs.

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.

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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Construction Loans | $0 Down VA, 3.5% FHA, 5% Conv