{"id":2543,"date":"2025-06-19T00:52:43","date_gmt":"2025-06-19T00:52:43","guid":{"rendered":"https:\/\/www.vmalending.net\/2025\/06\/19\/one-time-close-new-construction-loans\/"},"modified":"2025-10-27T14:57:52","modified_gmt":"2025-10-27T18:57:52","slug":"one-time-close-new-construction-loans","status":"publish","type":"post","link":"https:\/\/vmalending.net\/?p=2543","title":{"rendered":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans"},"content":{"rendered":"<p data-start=\"79\" data-end=\"539\"><strong data-start=\"79\" data-end=\"137\">One closing. One rate. One down payment. One approval.<\/strong><br data-start=\"137\" data-end=\"140\" \/>If you\u2019re planning a custom build, our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"179\" data-end=\"242\">One\u2011Time Close New Construction<\/a> loan wraps your construction and permanent mortgage into <strong data-start=\"300\" data-end=\"320\">a single closing<\/strong>\u2014saving time, money, and stress. It\u2019s available for <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"372\" data-end=\"420\">conventional loans<\/a> (including <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"432\" data-end=\"457\">ARMs<\/a> and <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"462\" data-end=\"504\">high\u2011balance<\/a>) and <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"510\" data-end=\"538\">VA loans<\/a>.<\/p>\n<hr data-start=\"541\" data-end=\"544\" \/>\n<h2 data-start=\"546\" data-end=\"570\">Why Borrowers Love It<\/h2>\n<ul data-start=\"572\" data-end=\"1506\">\n<li data-start=\"572\" data-end=\"649\">\n<p data-start=\"574\" data-end=\"649\"><strong data-start=\"574\" data-end=\"609\">One closing = one set of costs.<\/strong> You pay closing costs once\u2014not twice.<\/p>\n<\/li>\n<li data-start=\"650\" data-end=\"790\">\n<p data-start=\"652\" data-end=\"790\"><strong data-start=\"652\" data-end=\"673\">Low down payment.<\/strong> As little as <strong data-start=\"687\" data-end=\"698\">5% down<\/strong> on conventional and <strong data-start=\"719\" data-end=\"730\">0% down<\/strong> on VA, making new construction accessible to more buyers.<\/p>\n<\/li>\n<li data-start=\"791\" data-end=\"974\">\n<p data-start=\"793\" data-end=\"974\"><strong data-start=\"793\" data-end=\"830\">Rate protection with flexibility.<\/strong> Lock your rate at closing\u2014and if the market improves, use the <strong data-start=\"893\" data-end=\"959\"><a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"895\" data-end=\"957\">modify\u2011down option<\/a><\/strong> to lower it.<\/p>\n<\/li>\n<li data-start=\"975\" data-end=\"1062\">\n<p data-start=\"977\" data-end=\"1062\"><strong data-start=\"977\" data-end=\"1021\">One approval and one full credit report.<\/strong> Skip the second round of underwriting.<\/p>\n<\/li>\n<li data-start=\"1063\" data-end=\"1256\">\n<p data-start=\"1065\" data-end=\"1256\"><strong data-start=\"1065\" data-end=\"1111\">Build\u2011period payments that fit the budget.<\/strong> Conventional borrowers make <strong data-start=\"1140\" data-end=\"1157\">interest\u2011only<\/strong> payments during construction; <strong data-start=\"1188\" data-end=\"1229\">VA borrowers make no monthly payments<\/strong> during the build period.<\/p>\n<\/li>\n<li data-start=\"1257\" data-end=\"1405\">\n<p data-start=\"1259\" data-end=\"1405\"><strong data-start=\"1259\" data-end=\"1282\">Less out\u2011of\u2011pocket.<\/strong> Your mortgage funds the build through controlled draws\u2014you don\u2019t have to pay for construction first and refinance later.<\/p>\n<\/li>\n<li data-start=\"1406\" data-end=\"1506\">\n<p data-start=\"1408\" data-end=\"1506\"><strong data-start=\"1408\" data-end=\"1425\">Truly custom.<\/strong> New construction means no \u201cmaking do\u201d\u2014design the features you want from day one.<\/p>\n<\/li>\n<\/ul>\n<blockquote data-start=\"1508\" data-end=\"1621\">\n<p data-start=\"1510\" data-end=\"1621\"><strong data-start=\"1510\" data-end=\"1556\">Call us at <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1523\" data-end=\"1554\">786\u2011622\u20112248<\/a><\/strong> or <strong data-start=\"1560\" data-end=\"1596\"><a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1562\" data-end=\"1594\">start your application<\/a><\/strong> to explore your options.<\/p>\n<\/blockquote>\n<hr data-start=\"1623\" data-end=\"1626\" \/>\n<h2 data-start=\"1628\" data-end=\"1674\">How the One\u2011Time Close Works (Step\u2011by\u2011Step)<\/h2>\n<ol data-start=\"1676\" data-end=\"2878\">\n<li data-start=\"1676\" data-end=\"1813\">\n<p data-start=\"1679\" data-end=\"1813\"><strong data-start=\"1679\" data-end=\"1705\">Pre\u2011approval &amp; budget.<\/strong> We review income, assets, and credit to set a comfortable budget. Start here: <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1784\" data-end=\"1810\">Get Pre\u2011Approved<\/a>.<\/p>\n<\/li>\n<li data-start=\"1814\" data-end=\"1945\">\n<p data-start=\"1817\" data-end=\"1945\"><strong data-start=\"1817\" data-end=\"1841\">Choose your builder.<\/strong> We help verify licensing, insurance, and experience. See our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"1903\" data-end=\"1942\">Builder Resources<\/a>.<\/p>\n<\/li>\n<li data-start=\"1946\" data-end=\"2072\">\n<p data-start=\"1949\" data-end=\"2072\"><strong data-start=\"1949\" data-end=\"1980\">Appraisal on plans &amp; specs.<\/strong> An appraiser values the future home (\u201cas\u2011completed\u201d) using your plans and materials list.<\/p>\n<\/li>\n<li data-start=\"2073\" data-end=\"2223\">\n<p data-start=\"2076\" data-end=\"2223\"><strong data-start=\"2076\" data-end=\"2092\">One closing.<\/strong> You sign once. Your down payment and closing costs are collected at this time. Learn more about <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"2189\" data-end=\"2220\">closing costs<\/a>.<\/p>\n<\/li>\n<li data-start=\"2224\" data-end=\"2390\">\n<p data-start=\"2227\" data-end=\"2390\"><strong data-start=\"2227\" data-end=\"2250\">Construction phase.<\/strong> Funds are released in <strong data-start=\"2273\" data-end=\"2282\">draws<\/strong> as work is completed and inspected. Here\u2019s how a <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"2332\" data-end=\"2381\">draw schedule<\/a> works.<\/p>\n<\/li>\n<li data-start=\"2391\" data-end=\"2608\">\n<p data-start=\"2394\" data-end=\"2422\"><strong data-start=\"2394\" data-end=\"2420\">Build\u2011period payments.<\/strong><\/p>\n<ul data-start=\"2426\" data-end=\"2608\">\n<li data-start=\"2426\" data-end=\"2552\">\n<p data-start=\"2428\" data-end=\"2552\"><strong data-start=\"2428\" data-end=\"2445\">Conventional:<\/strong> interest\u2011only on what\u2019s been drawn. Use our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"2490\" data-end=\"2537\">payment calculator<\/a> to estimate.<\/p>\n<\/li>\n<li data-start=\"2556\" data-end=\"2608\">\n<p data-start=\"2558\" data-end=\"2608\"><strong data-start=\"2558\" data-end=\"2565\">VA:<\/strong> no monthly payments during construction.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"2609\" data-end=\"2740\">\n<p data-start=\"2612\" data-end=\"2740\"><strong data-start=\"2612\" data-end=\"2639\">Modify\u2011down (optional).<\/strong> If rates drop before your home is finished, request a <strong data-start=\"2694\" data-end=\"2712\">rate reduction<\/strong> under program guidelines.<\/p>\n<\/li>\n<li data-start=\"2741\" data-end=\"2878\">\n<p data-start=\"2744\" data-end=\"2878\"><strong data-start=\"2744\" data-end=\"2769\">Automatic conversion.<\/strong> After the final inspection, the loan converts to your permanent mortgage\u2014no second closing, no new approval.<\/p>\n<\/li>\n<\/ol>\n<hr data-start=\"2880\" data-end=\"2883\" \/>\n<h2 data-start=\"2885\" data-end=\"2911\">What You Can Use It For<\/h2>\n<ul data-start=\"2913\" data-end=\"3060\">\n<li data-start=\"2913\" data-end=\"2941\">\n<p data-start=\"2915\" data-end=\"2941\">Custom homes on your lot<\/p>\n<\/li>\n<li data-start=\"2942\" data-end=\"2968\">\n<p data-start=\"2944\" data-end=\"2968\">Tear\u2011down and rebuilds<\/p>\n<\/li>\n<li data-start=\"2969\" data-end=\"3014\">\n<p data-start=\"2971\" data-end=\"3014\">Modern additions with full reconstruction<\/p>\n<\/li>\n<li data-start=\"3015\" data-end=\"3060\">\n<p data-start=\"3017\" data-end=\"3060\">High\u2011balance loan amounts (where available)<\/p>\n<\/li>\n<\/ul>\n<blockquote data-start=\"3062\" data-end=\"3234\">\n<p data-start=\"3064\" data-end=\"3234\"><strong data-start=\"3064\" data-end=\"3119\">Occupancy and property type rules apply by program.<\/strong> Ask us about eligibility for your specific project: <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"3172\" data-end=\"3233\">Check Eligibility<\/a>.<\/p>\n<\/blockquote>\n<hr data-start=\"3236\" data-end=\"3239\" \/>\n<h2 data-start=\"3241\" data-end=\"3305\">One\u2011Time Close vs. Two\u2011Close (Traditional) Construction Loans<\/h2>\n<p data-start=\"3307\" data-end=\"3332\"><strong data-start=\"3307\" data-end=\"3332\">One\u2011Time Close (You):<\/strong><\/p>\n<ul data-start=\"3333\" data-end=\"3574\">\n<li data-start=\"3333\" data-end=\"3372\">\n<p data-start=\"3335\" data-end=\"3372\">Single closing and one set of costs<\/p>\n<\/li>\n<li data-start=\"3373\" data-end=\"3414\">\n<p data-start=\"3375\" data-end=\"3414\">One qualification and one credit pull<\/p>\n<\/li>\n<li data-start=\"3415\" data-end=\"3468\">\n<p data-start=\"3417\" data-end=\"3468\">Rate locked up front with a potential modify\u2011down<\/p>\n<\/li>\n<li data-start=\"3469\" data-end=\"3534\">\n<p data-start=\"3471\" data-end=\"3534\">Interest\u2011only (Conventional) or no payments (VA) during build<\/p>\n<\/li>\n<li data-start=\"3535\" data-end=\"3574\">\n<p data-start=\"3537\" data-end=\"3574\">Mortgage funds construction via draws<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3576\" data-end=\"3600\"><strong data-start=\"3576\" data-end=\"3600\">Two\u2011Close (Old Way):<\/strong><\/p>\n<ul data-start=\"3601\" data-end=\"3860\">\n<li data-start=\"3601\" data-end=\"3662\">\n<p data-start=\"3603\" data-end=\"3662\">Two separate closings (construction loan, then refinance)<\/p>\n<\/li>\n<li data-start=\"3663\" data-end=\"3702\">\n<p data-start=\"3665\" data-end=\"3702\">Two sets of costs and two approvals<\/p>\n<\/li>\n<li data-start=\"3703\" data-end=\"3749\">\n<p data-start=\"3705\" data-end=\"3749\">Second appraisal and re\u2011qualification risk<\/p>\n<\/li>\n<li data-start=\"3750\" data-end=\"3787\">\n<p data-start=\"3752\" data-end=\"3787\">Rate exposure until you refinance<\/p>\n<\/li>\n<li data-start=\"3788\" data-end=\"3860\">\n<p data-start=\"3790\" data-end=\"3860\">You might carry construction financing before getting a long\u2011term loan<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"3862\" data-end=\"3865\" \/>\n<h2 data-start=\"3867\" data-end=\"3902\">Costs &amp; Cash Flow\u2014What to Expect<\/h2>\n<ul data-start=\"3904\" data-end=\"4443\">\n<li data-start=\"3904\" data-end=\"3974\">\n<p data-start=\"3906\" data-end=\"3974\"><strong data-start=\"3906\" data-end=\"3923\">Down payment:<\/strong> As low as <strong data-start=\"3934\" data-end=\"3955\">5% (Conventional)<\/strong> and <strong data-start=\"3960\" data-end=\"3971\">0% (VA)<\/strong>.<\/p>\n<\/li>\n<li data-start=\"3975\" data-end=\"4107\">\n<p data-start=\"3977\" data-end=\"4107\"><strong data-start=\"3977\" data-end=\"4002\">Closing costs (once):<\/strong> Standard lender fees, title, recording, and prepaids\u2014see our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"4064\" data-end=\"4104\">guide to closing costs<\/a>.<\/p>\n<\/li>\n<li data-start=\"4108\" data-end=\"4248\">\n<p data-start=\"4110\" data-end=\"4138\"><strong data-start=\"4110\" data-end=\"4136\">Build\u2011period payments:<\/strong><\/p>\n<ul data-start=\"4141\" data-end=\"4248\">\n<li data-start=\"4141\" data-end=\"4196\">\n<p data-start=\"4143\" data-end=\"4196\"><strong data-start=\"4143\" data-end=\"4160\">Conventional:<\/strong> interest\u2011only on funds disbursed.<\/p>\n<\/li>\n<li data-start=\"4199\" data-end=\"4248\">\n<p data-start=\"4201\" data-end=\"4248\"><strong data-start=\"4201\" data-end=\"4208\">VA:<\/strong> no monthly payments during the build.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"4249\" data-end=\"4346\">\n<p data-start=\"4251\" data-end=\"4346\"><strong data-start=\"4251\" data-end=\"4280\">Reserves &amp; contingencies:<\/strong> Many projects include a contingency reserve for the unexpected.<\/p>\n<\/li>\n<li data-start=\"4347\" data-end=\"4443\">\n<p data-start=\"4349\" data-end=\"4443\"><strong data-start=\"4349\" data-end=\"4373\">Inspections &amp; draws:<\/strong> Each draw typically requires an inspection before funds are released.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"4445\" data-end=\"4448\" \/>\n<h2 data-start=\"4450\" data-end=\"4484\">Builder &amp; Contractor Advantages<\/h2>\n<ul data-start=\"4486\" data-end=\"4795\">\n<li data-start=\"4486\" data-end=\"4601\">\n<p data-start=\"4488\" data-end=\"4601\"><strong data-start=\"4488\" data-end=\"4508\">Faster payments.<\/strong> Once you close, funds are ready for materials and labor through a clear <strong data-start=\"4581\" data-end=\"4598\">draw schedule<\/strong>.<\/p>\n<\/li>\n<li data-start=\"4602\" data-end=\"4704\">\n<p data-start=\"4604\" data-end=\"4704\"><strong data-start=\"4604\" data-end=\"4644\">More creativity, less cookie\u2011cutter.<\/strong> Financing supports custom designs, not just tract builds.<\/p>\n<\/li>\n<li data-start=\"4705\" data-end=\"4795\">\n<p data-start=\"4707\" data-end=\"4795\"><strong data-start=\"4707\" data-end=\"4739\">Simplified buyer experience.<\/strong> Fewer moving parts for your client = smoother projects.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4797\" data-end=\"4867\">Share this page with your GC: <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"4827\" data-end=\"4866\">Builder Resources<\/a>.<\/p>\n<hr data-start=\"4869\" data-end=\"4872\" \/>\n<h2 data-start=\"4874\" data-end=\"4887\">Quick FAQs<\/h2>\n<p data-start=\"4889\" data-end=\"5047\"><strong data-start=\"4889\" data-end=\"4918\">Do I need perfect credit?<\/strong><br data-start=\"4918\" data-end=\"4921\" \/>No. Strong, documented income and responsible credit help, but \u201cperfect\u201d isn\u2019t required. Learn about <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5022\" data-end=\"5046\">credit basics<\/a>.<\/p>\n<p data-start=\"5049\" data-end=\"5210\"><strong data-start=\"5049\" data-end=\"5098\">Can I use my lot as part of the down payment?<\/strong><br data-start=\"5098\" data-end=\"5101\" \/>Often yes\u2014existing lot equity may count toward your required down payment. We\u2019ll confirm with your appraisal.<\/p>\n<p data-start=\"5212\" data-end=\"5352\"><strong data-start=\"5212\" data-end=\"5255\">What if prices change during the build?<\/strong><br data-start=\"5255\" data-end=\"5258\" \/>A contingency reserve can help manage overruns. We\u2019ll walk you through options before closing.<\/p>\n<p data-start=\"5354\" data-end=\"5562\"><strong data-start=\"5354\" data-end=\"5388\">Is the modify\u2011down guaranteed?<\/strong><br data-start=\"5388\" data-end=\"5391\" \/>It\u2019s <strong data-start=\"5396\" data-end=\"5453\">optional and subject to program rules and eligibility<\/strong> (and may involve a fee). Read about it here: <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5499\" data-end=\"5561\">Modify\u2011Down Option<\/a>.<\/p>\n<p data-start=\"5564\" data-end=\"5667\"><strong data-start=\"5564\" data-end=\"5587\">Are ARMs available?<\/strong><br data-start=\"5587\" data-end=\"5590\" \/>Yes. We offer <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5604\" data-end=\"5636\">ARM options<\/a> as well as fixed\u2011rate choices.<\/p>\n<p data-start=\"5669\" data-end=\"5772\"><strong data-start=\"5669\" data-end=\"5695\">Can I go high\u2011balance?<\/strong><br data-start=\"5695\" data-end=\"5698\" \/>Where eligible, yes. See <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5723\" data-end=\"5771\">High\u2011Balance Loans<\/a>.<\/p>\n<p data-start=\"5774\" data-end=\"5936\"><strong data-start=\"5774\" data-end=\"5807\">What documents will you need?<\/strong><br data-start=\"5807\" data-end=\"5810\" \/>Start with ID, income\/asset docs, plans &amp; specs, and builder credentials. Use our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5892\" data-end=\"5935\">Documents Checklist<\/a>.<\/p>\n<hr data-start=\"5938\" data-end=\"5941\" \/>\n<h2 data-start=\"5943\" data-end=\"5957\">Get Started<\/h2>\n<ul data-start=\"5959\" data-end=\"6385\">\n<li data-start=\"5959\" data-end=\"6004\">\n<p data-start=\"5961\" data-end=\"6004\"><strong data-start=\"5961\" data-end=\"5970\">Call:<\/strong> <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"5971\" data-end=\"6002\">786\u2011622\u20112224<\/a><\/p>\n<\/li>\n<li data-start=\"6005\" data-end=\"6059\">\n<p data-start=\"6007\" data-end=\"6059\"><strong data-start=\"6007\" data-end=\"6024\">Apply online:<\/strong> <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6025\" data-end=\"6057\">Start Your Application<\/a><\/p>\n<\/li>\n<li data-start=\"6060\" data-end=\"6169\">\n<p data-start=\"6062\" data-end=\"6169\"><strong data-start=\"6062\" data-end=\"6081\">Have questions?<\/strong> Visit our <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6092\" data-end=\"6140\">Construction Loan FAQ<\/a> or <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6144\" data-end=\"6166\">Contact Us<\/a>.<\/p>\n<\/li>\n<li data-start=\"6170\" data-end=\"6385\">\n<p data-start=\"6172\" data-end=\"6385\"><strong data-start=\"6172\" data-end=\"6197\">See today\u2019s programs:<\/strong> <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6198\" data-end=\"6242\">Loan Options<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6245\" data-end=\"6287\">Conventional<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6290\" data-end=\"6312\">VA<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6315\" data-end=\"6340\">ARMs<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6343\" data-end=\"6385\">High\u2011Balance<\/a><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"6387\" data-end=\"6390\" \/>\n<h3 data-start=\"6392\" data-end=\"6418\">Helpful Internal Links<\/h3>\n<p data-start=\"6419\" data-end=\"7139\"><a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6419\" data-end=\"6474\">One\u2011Time Close Overview<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6477\" data-end=\"6496\">Apply Now<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6499\" data-end=\"6514\">Rates<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6517\" data-end=\"6548\">Closing Costs<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6551\" data-end=\"6613\">Modify\u2011Down Option<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6616\" data-end=\"6648\">ARM Options<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6651\" data-end=\"6679\">VA Loans<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6682\" data-end=\"6730\">Conventional Loans<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6733\" data-end=\"6781\">High\u2011Balance Loans<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6784\" data-end=\"6823\">Builder Resources<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6826\" data-end=\"6875\">Draw Schedule<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6878\" data-end=\"6921\">Documents Checklist<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6924\" data-end=\"6971\">Payment Calculator<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"6974\" data-end=\"7029\">Eligibility<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"7032\" data-end=\"7062\">FAQ<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"7065\" data-end=\"7087\">Contact Us<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"7090\" data-end=\"7117\">Disclosures<\/a> \u2022 <a class=\"decorated-link cursor-pointer\" rel=\"noopener\" data-start=\"7120\" data-end=\"7139\">Privacy<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[695,57],"tags":[703,713,707,701,697,699,711,700,714,704,710,702,712,706,708,709,698,705,696],"class_list":["post-2543","post","type-post","status-publish","format-standard","hentry","category-construction","category-conventional","tag-arm-mortgage","tag-build-period","tag-builder-financing","tag-closing-costs","tag-construction-loan","tag-construction-to-permanent","tag-conventional-loan","tag-credit-approval","tag-custom-home","tag-draw-schedule","tag-fixed-rate-mortgage","tag-high-balance-loan","tag-interestonly","tag-low-down-payment","tag-mortgage-process","tag-new-construction","tag-onetime-close","tag-rate-float-down","tag-va-loan"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"vmalendingcom\"\/>\n\t<meta name=\"google-site-verification\" content=\"3wGrJIC-oSvlpYfDnynplbkN6evn9NgdxkuZwUHXn_I\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/vmalending.net\/?p=2543\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.2\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"VMA Lending - This is the day we make a difference!\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending\" \/>\n\t\t<meta property=\"og:description\" content=\"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/vmalending.net\/?p=2543\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-06-19T00:52:43+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-10-27T18:57:52+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending\" \/>\n\t\t<meta name=\"twitter:description\" content=\"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#article\",\"name\":\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending\",\"headline\":\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\\u2011Time Close New Construction LoansOne-Time Close New Construction Loans\",\"author\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?author=1#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.vmalending.net\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/VMA-Logo-red-blue-silver-trans-512.png\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/#articleImage\"},\"datePublished\":\"2025-06-19T00:52:43-04:00\",\"dateModified\":\"2025-10-27T14:57:52-04:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#webpage\"},\"articleSection\":\"Construction, Conventional, ARM mortgage, build period, builder financing, closing costs, construction loan, construction to permanent, conventional loan, credit approval, custom home, draw schedule, fixed rate mortgage, high balance loan, interest\\u2011only, low down payment, mortgage process, new construction, one\\u2011time close, rate float down, VA loan\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/vmalending.net\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?cat=57#listItem\",\"name\":\"Conventional\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?cat=57#listItem\",\"position\":2,\"name\":\"Conventional\",\"item\":\"https:\\\/\\\/vmalending.net\\\/?cat=57\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#listItem\",\"name\":\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\\u2011Time Close New Construction LoansOne-Time Close New Construction Loans\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#listItem\",\"position\":3,\"name\":\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\\u2011Time Close New Construction LoansOne-Time Close New Construction Loans\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?cat=57#listItem\",\"name\":\"Conventional\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/#organization\",\"name\":\"VMA Lending\",\"description\":\"This is the day we make a difference!\",\"url\":\"https:\\\/\\\/vmalending.net\\\/\",\"telephone\":\"+17866222224\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.vmalending.net\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/VMA-Logo-red-blue-silver-trans-512.png\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543\\\/#organizationLogo\"},\"image\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543\\\/#organizationLogo\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?author=1#author\",\"url\":\"https:\\\/\\\/vmalending.net\\\/?author=1\",\"name\":\"vmalendingcom\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/cd7dee6d1979f139cf564702a9bb58580ba8807519912d9c47029912316b450d?s=96&d=wavatar&r=g\",\"width\":96,\"height\":96,\"caption\":\"vmalendingcom\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#webpage\",\"url\":\"https:\\\/\\\/vmalending.net\\\/?p=2543\",\"name\":\"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending\",\"description\":\"One closing. One rate. One down payment. One approval.If you\\u2019re planning a custom build, our One\\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\\u2014saving time, money, and stress. It\\u2019s available for conventional loans (including ARMs and high\\u2011balance) and VA loans. Why Borrowers Love It One closing = one set\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?p=2543#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?author=1#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/?author=1#author\"},\"datePublished\":\"2025-06-19T00:52:43-04:00\",\"dateModified\":\"2025-10-27T14:57:52-04:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/vmalending.net\\\/#website\",\"url\":\"https:\\\/\\\/vmalending.net\\\/\",\"name\":\"VMA Lending\",\"description\":\"This is the day we make a difference!\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/vmalending.net\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending<\/title>\n\n","aioseo_head_json":{"title":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending","description":"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set","canonical_url":"https:\/\/vmalending.net\/?p=2543","robots":"max-image-preview:large","keywords":"","webmasterTools":{"google-site-verification":"3wGrJIC-oSvlpYfDnynplbkN6evn9NgdxkuZwUHXn_I","miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/vmalending.net\/?p=2543#article","name":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending","headline":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans","author":{"@id":"https:\/\/vmalending.net\/?author=1#author"},"publisher":{"@id":"https:\/\/vmalending.net\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/www.vmalending.net\/wp-content\/uploads\/2025\/07\/VMA-Logo-red-blue-silver-trans-512.png","@id":"https:\/\/vmalending.net\/#articleImage"},"datePublished":"2025-06-19T00:52:43-04:00","dateModified":"2025-10-27T14:57:52-04:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/vmalending.net\/?p=2543#webpage"},"isPartOf":{"@id":"https:\/\/vmalending.net\/?p=2543#webpage"},"articleSection":"Construction, Conventional, ARM mortgage, build period, builder financing, closing costs, construction loan, construction to permanent, conventional loan, credit approval, custom home, draw schedule, fixed rate mortgage, high balance loan, interest\u2011only, low down payment, mortgage process, new construction, one\u2011time close, rate float down, VA loan"},{"@type":"BreadcrumbList","@id":"https:\/\/vmalending.net\/?p=2543#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/vmalending.net\/#listItem","position":1,"name":"Home","item":"https:\/\/vmalending.net\/","nextItem":{"@type":"ListItem","@id":"https:\/\/vmalending.net\/?cat=57#listItem","name":"Conventional"}},{"@type":"ListItem","@id":"https:\/\/vmalending.net\/?cat=57#listItem","position":2,"name":"Conventional","item":"https:\/\/vmalending.net\/?cat=57","nextItem":{"@type":"ListItem","@id":"https:\/\/vmalending.net\/?p=2543#listItem","name":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans"},"previousItem":{"@type":"ListItem","@id":"https:\/\/vmalending.net\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/vmalending.net\/?p=2543#listItem","position":3,"name":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans","previousItem":{"@type":"ListItem","@id":"https:\/\/vmalending.net\/?cat=57#listItem","name":"Conventional"}}]},{"@type":"Organization","@id":"https:\/\/vmalending.net\/#organization","name":"VMA Lending","description":"This is the day we make a difference!","url":"https:\/\/vmalending.net\/","telephone":"+17866222224","logo":{"@type":"ImageObject","url":"https:\/\/www.vmalending.net\/wp-content\/uploads\/2025\/07\/VMA-Logo-red-blue-silver-trans-512.png","@id":"https:\/\/vmalending.net\/?p=2543\/#organizationLogo"},"image":{"@id":"https:\/\/vmalending.net\/?p=2543\/#organizationLogo"}},{"@type":"Person","@id":"https:\/\/vmalending.net\/?author=1#author","url":"https:\/\/vmalending.net\/?author=1","name":"vmalendingcom","image":{"@type":"ImageObject","@id":"https:\/\/vmalending.net\/?p=2543#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/cd7dee6d1979f139cf564702a9bb58580ba8807519912d9c47029912316b450d?s=96&d=wavatar&r=g","width":96,"height":96,"caption":"vmalendingcom"}},{"@type":"WebPage","@id":"https:\/\/vmalending.net\/?p=2543#webpage","url":"https:\/\/vmalending.net\/?p=2543","name":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending","description":"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/vmalending.net\/#website"},"breadcrumb":{"@id":"https:\/\/vmalending.net\/?p=2543#breadcrumblist"},"author":{"@id":"https:\/\/vmalending.net\/?author=1#author"},"creator":{"@id":"https:\/\/vmalending.net\/?author=1#author"},"datePublished":"2025-06-19T00:52:43-04:00","dateModified":"2025-10-27T14:57:52-04:00"},{"@type":"WebSite","@id":"https:\/\/vmalending.net\/#website","url":"https:\/\/vmalending.net\/","name":"VMA Lending","description":"This is the day we make a difference!","inLanguage":"en-US","publisher":{"@id":"https:\/\/vmalending.net\/#organization"}}]},"og:locale":"en_US","og:site_name":"VMA Lending - This is the day we make a difference!","og:type":"article","og:title":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending","og:description":"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set","og:url":"https:\/\/vmalending.net\/?p=2543","og:image":"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png","og:image:secure_url":"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png","article:published_time":"2025-06-19T00:52:43+00:00","article:modified_time":"2025-10-27T18:57:52+00:00","twitter:card":"summary_large_image","twitter:title":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans - VMA Lending","twitter:description":"One closing. One rate. One down payment. One approval.If you\u2019re planning a custom build, our One\u2011Time Close New Construction loan wraps your construction and permanent mortgage into a single closing\u2014saving time, money, and stress. It\u2019s available for conventional loans (including ARMs and high\u2011balance) and VA loans. Why Borrowers Love It One closing = one set","twitter:image":"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png"},"aioseo_meta_data":{"post_id":"2543","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"One\u2011Time Close New Construction loan","score":53,"analysis":{"keyphraseInTitle":{"score":3,"maxScore":9,"error":1},"keyphraseInDescription":{"score":9,"maxScore":9,"error":0},"keyphraseLength":{"score":6,"maxScore":9,"error":1,"length":5},"keyphraseInURL":{"score":1,"maxScore":5,"error":1},"keyphraseInIntroduction":{"score":9,"maxScore":9,"error":0},"keyphraseInSubHeadings":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},"additional":[{"keyphrase":"construction\u2011to\u2011permanent financing","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":2},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"one closing mortgage","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":3},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"VA One\u2011Time Close 0% down","score":33,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":6,"maxScore":9,"error":1,"length":5},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"conventional construction loan 5% down","score":33,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":6,"maxScore":9,"error":1,"length":5},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"modify down rate option","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":4},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"interest\u2011only payments during build","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":4},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"no payments during construction (VA)","score":33,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":6,"maxScore":9,"error":1,"length":5},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"high\u2011balance construction loan","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":3},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}},{"keyphrase":"ARM construction\u2011to\u2011perm","score":42,"analysis":{"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":2},"keyphraseInIntroduction":{"score":3,"maxScore":9,"error":1},"keyphraseInImageAlt":[],"keywordDensity":{"score":0,"type":"low","maxScore":9,"error":1}}}]},"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_custom_url":null,"og_image_custom_fields":null,"og_custom_image_width":null,"og_custom_image_height":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":true,"twitter_card":"default","twitter_image_type":"default","twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema_type":null,"schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"none","tabs":null,"priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-08-06 00:31:24","created":"2025-06-30 01:07:14","updated":"2026-10-09 13:30:10","primary_term":null,"og_image_url":null,"og_image_width":null,"og_image_height":null,"twitter_image_url":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"Article","isEnabled":true},"graphs":[]},"limit_modified_date":false,"ai":null,"breadcrumb_settings":null,"focus_keyword":"One\u2011Time Close New Construction loan","additional_keywords":[{"word":"construction\u2011to\u2011permanent financing","score":42},{"word":"one closing mortgage","score":42},{"word":"VA One\u2011Time Close 0% down","score":33},{"word":"conventional construction loan 5% down","score":33},{"word":"modify down rate option","score":42},{"word":"interest\u2011only payments during build","score":42},{"word":"no payments during construction (VA)","score":33},{"word":"high\u2011balance construction loan","score":42},{"word":"ARM construction\u2011to\u2011perm","score":42}],"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/vmalending.net\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/vmalending.net\/?cat=57\" title=\"Conventional\">Conventional<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tOne-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/vmalending.net\/"},{"label":"Conventional","link":"https:\/\/vmalending.net\/?cat=57"},{"label":"One-Time Close New Construction LoansBuild Your Dream Home the Simple Way: One\u2011Time Close New Construction LoansOne-Time Close New Construction Loans","link":"https:\/\/vmalending.net\/?p=2543"}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/posts\/2543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2543"}],"version-history":[{"count":4,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/posts\/2543\/revisions"}],"predecessor-version":[{"id":3981,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/posts\/2543\/revisions\/3981"}],"wp:attachment":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}