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Home › Find a Lender › Virginia
Virginia · vetted specialists

Construction loan lenders in Virginia

Local and national specialists financing new-home and owner-builder construction across Virginia — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in Virginia offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving Virginia.

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Virginia directory

Lenders serving Virginia

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

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Citizens Bank

📍 CT, VA
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F&M Bank

📍 VA
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National Bank of Blacksburg

📍 VA
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Virginia Credit Union

📍 VA
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Construction loans in Virginia — FAQ

What down payment do Virginia construction lenders require?
Conventional construction loans in Virginia typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in Virginia?
Yes — some lenders serving Virginia offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in Virginia?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving Virginia.

Nearby: Maryland · West Virginia · Kentucky · Tennessee · North Carolina

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