Top 10 VA Construction Loan Lenders in Texas for Veterans
- vaconstructionloan
- May 15
- 4 min read
For many veterans and active-duty military families in Texas, building a custom home is more than a dream — it’s a long-term investment in comfort, stability, and land ownership. Fortunately, VA construction loans make it possible to finance both the construction and permanent mortgage with little to no down payment.
In this guide, we’ll explore the top VA construction loan lenders in Texas and what makes them stand out for veteran borrowers.
What Is a VA Construction Loan?
A Texas VA construction loan allows eligible veterans, active-duty military members, and qualified surviving spouses to finance the construction of a new home using VA-backed financing.
Unlike traditional construction loans, many VA construction programs offer:
Zero down payment options
One-time closing
Competitive interest rates
No private mortgage insurance (PMI)
Financing for land and construction together
The most popular option today is the VA One-Time Close Construction Loan, which combines the construction phase and permanent mortgage into a single loan.
Top 10 VA Construction Loan Lenders in Texas
1. VA Construction Loan By Shirley Mueller
One of the leading specialists in VA construction loan, Shirley Mueller, Sr. VP of Veteran Lending at Cross Country Mortgage focuses heavily on Texas veterans looking to build custom homes, barndominiums, and rural properties. Their team is experienced in VA One-Time Close loans and works closely with builders throughout the state.
Why Veterans Choose Them
Specializes in VA construction loans
Texas-focused lending expertise
Supports custom homes and acreage builds
Experienced with builder approvals
Streamlined OTC process
2. Texas VA Mortgage
Texas VA Mortgage is well-known among military families for providing veteran-focused mortgage solutions. They offer VA construction financing with a strong understanding of Texas land and housing markets.
Key Benefits
100% financing options
Competitive VA rates
In-house underwriting
Strong veteran customer support
3. Security America Mortgage
Security America Mortgage
Security America Mortgage has built a strong reputation in VA lending nationwide. Their team understands the complexities involved in construction financing and offers solutions tailored to veterans.
Highlights
Veteran-focused lending
Construction financing expertise
Flexible loan structures
Educational support for borrowers
4. Veterans United Home Loans
As one of the largest VA lenders in the United States, Veterans United has helped thousands of military families purchase homes. While construction loan availability varies, they remain a trusted name in VA financing.
Best For
First-time VA borrowers
Nationwide support
Educational resources
Strong customer service
5. Navy Federal Credit Union
Navy Federal is a trusted financial institution for military members and veterans. Their mortgage programs are known for competitive rates and lower fees.
Advantages
Military-focused banking
Competitive financing terms
Personalized member service
Trusted national reputation
6. PrimeLending
PrimeLending has become increasingly popular among Texas veterans pursuing VA OTC construction loans. Many borrowers appreciate their flexibility with custom home projects and rural properties.
Notable Features
VA One-Time Close financing
Builder-friendly programs
Rural and barndominium support
Personalized loan guidance
7. Bartling Lending Group
Bartling Lending Group specializes in construction financing and offers solutions for veterans building on land they already own.
Why They Stand Out
Land equity options
Custom construction expertise
Barndominium financing
Strong Texas market experience
8. Supreme Lending
Based in Texas, Supreme Lending is active in construction financing and works with veterans on custom build projects throughout the state.
Key Strengths
Texas-based lender
Builder coordination
Flexible construction programs
VA lending support
9. First National Bank Texas
This Texas-based bank offers mortgage products tailored to veterans and military families, including construction financing options in select markets.
Benefits
Local Texas expertise
Personalized service
Competitive lending solutions
Community-focused approach
10. CLM Mortgage
CLM Mortgage provides construction loan solutions for Texas veterans looking to build primary residences using VA benefits.
Best Features
Construction lending programs
Texas housing expertise
Veteran-focused mortgage guidance
Local loan specialists
What to Look for in a VA Construction Loan Lender
Choosing the right lender can make a major difference in your home-building experience. Here are several factors veterans should compare before selecting a lender:
1. VA One-Time Close Experience
Some lenders advertise VA loans but rarely close true VA construction loans. Always ask how many VA OTC loans they complete annually.
2. Builder Approval Process
A good lender should have a straightforward process for approving your builder and reviewing plans, timelines, and budgets.
3. Land Financing Options
If you already own land, some lenders may allow you to use the equity toward construction costs.
4. Rural Property Expertise
Texas veterans often build on acreage or rural lots. Make sure the lender understands rural construction requirements.
5. Communication and Support
Construction loans involve multiple steps and moving parts. Responsive communication is essential throughout the project.
Choose An Experienced Lender
Building a custom home with a VA construction loan in Texas can be an excellent path toward homeownership for veterans and military families. The key is finding a lender with real experience in VA One-Time Close construction loan.
Whether you're building on acreage, planning a rural retreat, or creating a fully customized family home, the lenders above offer some of the strongest VA construction financing options in Texas.
Before choosing a lender, compare:
VA construction loan experience
Interest rates and fees
Builder approval flexibility
Communication quality
Construction loan timelines
With the right lending partner, your VA benefits can help turn your custom home vision into reality.
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