Business Details
19 Years
experience
Your Trusted Partner for VA Construction Loans Nationwide
Security America Mortgage has been a trusted leader in VA home loans since 2007. We specialize in simplifying the homebuying process for veterans, active-duty service members, and military families through innovative financing solutions like VA One-Time Close Construction Loans. Our team of experts combines deep industry experience with a commitment to veteran-centric service, offering 0% down payment options and eliminating the need for multiple closings.With a proven track record of navigating complex loan programs, we prioritize transparency, affordability, and personalized support. Our mission is to empower veterans to achieve homeownership while maintaining the highest standards of integrity and client satisfaction.
Services
VA One-Time Close Loans
FHA Construction Loans
Conventional Loans
Jumbo Loans
USDA Loans
Refinance Services
ITIN Mortgages
VA Jumbo Loans
Construction Loans
VA Renovation Loans
Details
- Year established: 2007
Highlights and features
- We specialize in VA One-Time Close Construction Loans with 0% down payment options.
- Our team has over 15 years of experience in veteran-focused mortgage lending.
- We eliminate the need for multiple closings, saving time and reducing costs.
- Our loan officers provide personalized support for complex VA loan scenarios.
- We offer financing solutions for land, construction, and permanent mortgages.
Associations and certifications
- U.S. Department of Veterans Affairs
What people say
Great
Exceptional
LIFESAVER
Remarkable experience
Highly recommend
Services
VA One-Time Close Construction Loan
This loan combines construction and permanent financing into a single transaction, eliminating the need for multiple closings. Borrowers qualify once and pay only one set of closing costs. Ideal for veterans building custom homes, it offers 0% down payment and no private mortgage insurance requirements.
FHA One-Time Close Loan
Designed for borrowers with lower credit scores or limited savings, this government-backed loan requires a 3.5% down payment. It simplifies homebuilding by merging construction and permanent financing, with flexible credit requirements and streamlined approval processes.
Conventional One-Time Close Loan
Suitable for non-government loan scenarios, this option funds both construction and long-term mortgage in one transaction. It offers higher loan limits and flexibility for primary or secondary residences, with no mortgage insurance for down payments over 20%.
VA Jumbo Loan
For high-value properties exceeding standard VA loan limits, this program provides competitive rates and 100% financing eligibility. It waives mortgage insurance requirements and offers flexible terms for qualified veterans purchasing luxury or high-cost area homes.
VA Renovation Loan
This loan finances home purchases and necessary repairs or upgrades in a single transaction. It covers essential improvements like HVAC systems and accessibility modifications, with no down payment for eligible veterans.
People
Garrett Puckett
CEO
Garrett Puckett leads Security America Mortgage with over 15 years of mortgage industry experience. He focuses on expanding veteran homeownership opportunities through innovative loan programs and strategic partnerships with VA-approved builders.
Jason Noble
COO
Jason Noble oversees daily operations and loan origination processes. With expertise in VA construction loans, he ensures seamless transactions for military families, combining regulatory compliance with client-focused service delivery.
Mark Vela
Residential Mortgage Loan Originator
Mark Vela specializes in VA loan programs, assisting clients across time zones with personalized support. He has processed hundreds of VA construction loans, emphasizing clear communication and timely approvals.
Nadia Reid
Residential Mortgage Loan Originator
Nadia Reid focuses on veteran mortgage education and loan qualification. She streamlines complex VA loan applications, ensuring borrowers understand each step of the construction or purchase process.
Md Shamim Hossain
Sr. Web, SEO, & Content Manager
Md Shamim Hossain manages digital strategy and educational content. He develops resources to help veterans navigate loan programs, combining technical expertise with user-friendly explanations of mortgage processes.
Questions
What are the eligibility requirements for a VA One-Time Close Construction Loan?
Borrowers need a Certificate of Eligibility, minimum 620 credit score, stable income, DTI under 41%, and must build a primary residence using a VA-registered builder.
How does the one-time close process work?
This program combines construction financing and permanent mortgage into a single loan with one approval, eliminating the need for separate closings and reducing overall costs.
Can I use a VA loan to build on land I already own?
Yes, VA loans allow financing for land purchases or existing land equity to be used toward construction projects, subject to appraisal requirements.
What are the benefits of choosing Security America Mortgage?
We offer specialized VA loan expertise, 0% down payment options, single-transaction construction financing, and dedicated support for military families.
Are there mortgage insurance requirements for VA construction loans?
No, VA loans do not require private mortgage insurance, saving borrowers hundreds monthly compared to conventional construction financing options.
How long does it take to close a VA construction loan?
The process typically takes 40-90 days, depending on construction timelines, builder approvals, and documentation completeness.
