VA Construction-to-Permanent Loan

Special Construction Financing for Veterans 

Since 1962, we've helped military and veterans finance their dream home.

We're committed to making home financing fast, easy, and affordable with local decision-making and friendly service.

When you find the perfect lot or floor plan, our construction-to-permanent program for active duty military and veterans is tailored to you. 

This offering simplifies the traditional construction loan by combining the construction financing and mortgage financing into one.

One closing.

One set of fees.

One loan.

Up To 100% Financing
No PMI (Private Mortgage Insurance)
30 Terms Available
Must have Credit Score of: 
640 Minimum FICO 

Loan Limits:
1-2 Unit Primary Residence
Fee Simple 

Eligible Market Area:
Florida, Alabama, Georgia, Kentucky, South Carolina, North Carolina, Mississippi, Tennessee, Virginia

Ready to take the next step?

We are here to help you through each step of the mortgage process. Our experienced loan officers understand VA Loans, and are ready to finance your next home. 

Whether you prefer to meet face-to-face in one of our branches, or handle everything over the phone, or online, we offer personalized, attentive service.

Ready to begin the application process?

My wife and I would like to extend a huge thank you for the service provided by by Loan Officer Wendy Hilton and her team. This was an 11-month journey for us and Mrs. Hilton provided excellent service every step of the way. She made herself readily available to answer any of our questions as well as explain the process.

There were times when we were not sure if this deal was going to happen, yet Mrs. Hilton remained optimistic and encouraged us along the way. We are very grateful to have had her as our Loan Officer. We will gladly refer any friends and family for business with First Federal due to the exemplary service provided to us by Mrs. Hilton. We know that they will be very well taken care of as we were.

Morris & Shameka P.


You have made the process in obtaining the loan for our new home easy! You are amazing at what you do and are truly appreciated. Thank you."

Eva & Scott L.

Jacksonville, FL

*100% financing applies to VA loans only. 
All loans are subject to credit underwriting and approval. See a mortgage loan officer for more info.