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Stop Competing.
Build Your Own Home.
VA One-Time Close Construction Loans that let eligible veterans build a custom home with one simple financing solution.
Hi, I’m Marcia Frater Your Trusted Local Mortgage Expert
Licensed Realtor since 1988 • Lending Professional since 2000.
I guide clients through the mortgage process with clarity, honesty, and care, making financing straightforward so you can focus on finding and enjoying your dream home. My approach combines decades of real estate experience with deep lending expertise, ensuring that every client receives personalized solutions that truly fit their goals.
Why Choose a VA Construction Loan?
​A VA construction loan allows eligible veterans and active-duty service members to build a custom home with powerful benefits designed to make homeownership more affordable and accessible. With a one-time close option, you combine construction and permanent financing into a single loan — meaning one approval process, one closing, and less hassle. Qualified borrowers can often build with no down payment, competitive interest rates, and limited out-of-pocket costs. Instead of competing in today’s housing market, a VA construction loan gives you the opportunity to build the home that fits your needs, lifestyle, and future — all while maximizing the benefits you’ve earned through your service.
How VA Construction Financing Works
Who it’s for:
Eligible veterans and active-duty service members ready to build a custom home.
How it works:
One VA-backed loan covers land, construction, and permanent financing — simplifying paperwork and reducing multiple closings.
Why now:
Take full advantage of your VA benefits while rates remain competitive and build the home that fits your lifestyle.
Start Building Your Future Today
Take the first step toward securing the right financing for your home. Complete the form below, and let’s explore your best options together.