The Built Mortgage Team — Powered by Motion Mortgage Inc.
Also Serving Maryland, Florida, North Carolina, and The District of Columbia
VA & Conventional Construction Loans
Built Right in Virginia.
From Veterans exploring VA benefits to families planning custom homes — compare VA and conventional one-time-close financing, subject to lender, borrower, builder, and property eligibility.
Loan Programs
Construction loans, tailored to your build.
Whether it's a VA new build, a custom dream home, or a major renovation — we have the program to fit your project.
VA Construction
VA one-time-close options subject to entitlement, borrower, property, and lender review.
One-Time Close
Single closing for construction and permanent financing.
Conventional Build
Conventional one-time-close financing subject to borrower and project eligibility.
Renovation Loans
Finance major renovations rolled into your mortgage.
Lot + Build
Eligible land purchase and construction may be combined, subject to program review.
Barndominium Financing
Eligible site-built projects considered after construction, appraisal, property, and lender review.
What is a barndominium?The Process
One-Time Close construction loans
Explore distinct VA and conventional one-time-close programs that combine construction and permanent financing. Eligible land purchase may be included; final completion conditions still apply.
Phase 1 — Pre-qualification
Pre-qualify & review your finances
Your loan officer reviews credit, income, assets, and debt obligations under the selected conventional program. Discuss borrowing capacity, required cash contribution, reserves, and rate-lock arrangements; requirements and pricing vary by lender.
Select your lot & builder
Discuss the proposed land and builder with your lender. Builder review may include applicable licensing, insurance, experience, plans, contract, budget, and schedule. Do not assume that an owner-builder or a proposed builder can participate without lender approval.
Phase 2 — Application & Approval
Submit your full construction package
Provide blueprints, floor plans, specs, materials list, and a signed construction contract. Your lender uses these documents to order an appraisal based on the projected completed value of your home — not the empty lot.
Underwriting & loan approval
The lender reviews income documents, credit, appraisal, construction plans, and builder credentials. Approval timing depends on documentation, project review, and the lender. Ask which updated documents or checks may be required before permanent financing begins.
Phase 3 — Closing
The single closing
An eligible conventional one-time-close program combines construction and permanent financing in one closing. Land purchase, reserves, cash contribution, and rate terms depend on the loan agreement. Review contingency requirements and the approved budget before signing.
Phase 4 — Construction
Construction draws & inspections
Funds are held in escrow and released to your builder in stages (draws) as work is completed. Each draw requires a third-party inspection confirming progress matches the approved schedule. You make interest-only payments on amounts drawn — not on the full loan balance.
Phase 5 — Permanent Mortgage Conversion
Final inspection & permanent financing
The permanent phase begins after construction and the lender’s completion conditions are satisfied. Final inspections, occupancy documentation, updated borrower checks, and payment dates depend on the program. A single closing does not waive these requirements.
Key requirements
- Credit
- Lender-specific
- Cash contribution
- Program-specific
- Loan-to-value
- Subject to review
- Mortgage insurance
- Program-dependent
- Occupancy
- Primary residence
Timeline snapshot
- Approval timing
- File-dependent
- Closing
- Lender/project-dependent
- Construction phase
- Project-specific
- Permanent phase
- Completion conditions apply
- Closings total
- 1
Why Choose Us
Built for Virginia. Built on trust.
The Built Mortgage Team helps you compare eligible construction financing options and understand borrower, builder, property, and completion requirements before committing to a project.
Built Mortgage Team assists eligible borrowers with construction financing throughout Virginia, including Richmond, Charlottesville, Harrisonburg, and surrounding communities. We also serve Maryland, North Carolina, Florida, and Washington, DC, subject to program availability and applicable requirements.
Already have a builder? Our VA Construction Loan Builder Requirements guide explains how lender-specific review differs from “VA-approved builders.” Builder approval is not guaranteed.
- Potential $0 down VA options, subject to eligibility
- Experienced guidance throughout the construction financing process.
- Interest-only payments during build
- Eligible lot purchase financing, subject to program review
- No application fee — ever
Get In Touch
Contact Us
Have questions about your mortgage options? Fill out the form below and we'll get back to you promptly.
What Our Clients Say
5-Star Reviews
Rated 5.0 out of 5 stars from 18+ reviews on Zillow. Here's what families across Virginia are saying.
"Jon made the entire process so easy and stress-free. As a first-time buyer, I had so many questions, and he patiently walked me through every step. We closed in under 21 days!"
Sarah M.
First-Time Homebuyer
"We used our VA benefits to purchase our dream home and Jon was incredible. He understood the VA process inside and out and got us a rate we didn't think was possible."
David & Lisa K.
VA Loan
"Building a home seemed overwhelming until we met Jon. He handled the construction loan seamlessly and kept us informed at every stage. Highly recommend!"
Marcus T.
Construction Loan
"Jon helped us refinance and save over $400/month. He was responsive, transparent, and made the paperwork painless. I've already referred two friends to him."
Jennifer R.
Refinance
"From pre-approval to closing, Jon was professional and always available. He fought for us to get the best deal and we couldn't be happier with our new home."
Chris & Amanda W.
Home Purchase
"I didn't think homeownership was possible with my credit situation, but Jon found a program that worked for me. He truly goes above and beyond for his clients."
Robert P.
FHA Loan
Ready to Get Started?
Let's build your future together.
Discuss your proposed project, land, and builder with the Built Mortgage Team. Financing is subject to borrower, property, and lender review.