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Build Your Dream Home.
Zero Down. Zero Payments.*

VA One-Time Close construction loan specialists serving veterans in NC, SC, GA & TN.

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Cleared homesite with house blueprints - VA One-Time Close construction loan
1

One Closing

Land, construction, and permanent financing in a single close. No second loan, no refinance.

2

Build With Zero Payments

Interest is built into the budget. You make no monthly payments during construction.

3

Rate Locked, Then Modified

Your rate is locked before closing and cannot go up. When the home is finished, if the market is lower, the loan is modified to the lower rate.

4

Move In

Construction ends, your standard VA loan payments begin, and you're home.

Every VA construction loan starts on one of two roads.

Which one is yours?

You Own The Land

You're already ahead of most people exploring this loan.

Start with my Landowner Roadmap and see exactly how your build gets financed.

Get the Landowner Roadmap
You Don't Own Land Yet

You're probably thinking your road starts with finding land. It's actually the last step.

Learn how to buy land and fund construction the right way with my Non-Land-Owner Roadmap.

Get the Non-Land-Owner Roadmap
Ricky Young, owner of NoSo Funding

Hi, I'm Ricky Young, owner of NoSo Funding.

I've specialized exclusively in VA One-Time Close construction loans for veterans and active-duty military members in NC, SC, GA & TN. Dozens of VA construction closings. 125+ five-star Google reviews.

Read my story See closed projects
125+ Five-Star Google Reviews

Real clients. Real builds. Real results.

Read every review word for word

Ready to build?

Answer a few quick questions and we'll reach out to discuss your project.

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