Quick answer: Texas VA Mortgage is part of Security America Mortgage (SAM), which has closed several hundred VA One-Time Close construction loans for veterans, including in Texas, where SAM is headquartered (Houston), and is rated 4.8 out of 5 from 182 Google reviews (October 2026). Seventeen of those reviews talk specifically about a construction loan. The same themes come up again and again: the process was explained clearly, calls were returned fast, and the team stayed with the borrower from application through closing.
What veterans say about building with our team
These are real Google reviews from SAM borrowers, shortened for length. You can read every review, unedited, on our Google Business Profile.
“As a first-time home builder using a one-time VA construction loan, I was nervous, but they have made the experience smooth, stress-free, and easy to understand.”
— Katina S., ★★★★★ Google review
“Getting a VA One-Time Close construction loan is not a simple process, and from the very beginning Jason made us feel like we had someone in our corner. We spoke with other lenders before choosing him, and no one took the time to explain the process as clearly or thoroughly as Jason did.”
— Zoe P., ★★★★★ Google review
“As a 23-year Navy veteran building a new home, I understand the importance of working with experienced professionals you can trust… Their expertise in managing a true VA One-Time Close (OTC) construction loan made what could have been a complicated process feel organized and straightforward.”
— Jeff H., ★★★★★ Google review
“I came across Security America Mortgage while researching VA Construction Loans… She worked her magic to make sure I met the underwriters criteria and got the loan closed!”
— Josue P., ★★★★★ Google review
“Jason was patient and clearly explained all of the details of the VA construction loan. We felt confident as we walked through the entire process. Nadia was very patient as we obtained all of our documents during underwriting.”
— Dera S., ★★★★★ Google review
“Jason Noble went above and beyond to help us work through all the red tape of a construction loan….and there was alot!!! He communicated with us day, nights and even some weekends.”
— Crystal M., ★★★★★ Google review
Why reviewers keep mentioning the same things
A VA construction loan has more steps than a normal VA purchase: the builder and the project have to be approved, the home is appraised from plans, and draws and inspections run throughout the build. The reviews line up with how our process works:
- One loan, one closing. Land (if you are buying it), construction and your permanent VA mortgage close together, so you don’t have to qualify twice.
- No mortgage payments during construction. Interest during the build is included in the construction budget.
- Builder and project review up front. Our construction team reviews your builder and plans, then manages draws and inspections while the home is built.
- A loan specialist and a processor on every file. Most reviewers name both people they worked with. That’s on purpose: one handles your questions and the other handles the documents.
VA construction loan facts from our team
| Loan type | VA One-Time Close (construction-to-permanent, one closing) |
|---|---|
| Down payment | Up to 100% financing on the lower of total project cost or appraised value, for eligible veterans |
| Credit | 620 is the minimum credit score. Most approvals are 640+, and we submit files from 620–639 for individual review. |
| Build period | Up to 11 months |
| Home types | Site-built, modular, manufactured and barndominium homes (no condos, co-ops or renovations) |
| Loans closed | Several hundred (SAM, all licensed states) |
| Financing timeline | About 30 days once you have land, house plans and a signed builder contract |
How long does a VA construction loan take?
“It’s important to understand for financing we only need about 30 days. When most people ask this question they are not considering the amount of time they need to account for finding land, creating house plans, and finding a builder and getting into a contract with that builder. Once I have land, house plans, and a builder contract it’s about 30 days for financing.”
— Jason Noble, COO and VA Loan Specialist, Security America Mortgage, NMLS #352672
Most people apply before they have those items lined up, so the time from application to closing depends mostly on how quickly the land, plans and builder contract come together.
The three most common VA construction loan delays
- The builder. The number one delay is waiting on communication or documents from the builder. Choose a builder who responds quickly and has their license, insurance and paperwork ready.
- The appraisal. The home is appraised from the plans and specs before it is built, so complete, accurate plans help avoid back-and-forth.
- Title. Liens, survey issues or ownership questions on the land can hold up closing, so get title started early.
— Delays ranked by Jason Noble, COO and VA Loan Specialist at Security America Mortgage. Tips from the Security America Mortgage team.
Texas VA Mortgage is a Security America Mortgage, Inc. website. Review quotes are from public Google reviews and have been shortened. Individual results vary; all loans are subject to credit approval, VA eligibility, and builder and project approval.
See if you qualify for a Texas VA construction loan
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