10-Step Guide: FHA & VA Land/Home Loan

1. Meet With Our Team
We'll determine whether FHA or VA financing is the best fit for your goals and explain the homebuying process.

2. Verify Eligibility

• FHA: Review income, credit, and down payment requirements.

• VA: Verify your Certificate of Eligibility (COE) and loan benefits.

3. Submit Your Loan Application
Complete your financing application so our lending partners can determine your approval.

4. Receive Your Pre-Approval & Budget
Once approved, you'll know exactly how much you can spend on your land and new home.

5. Choose Your Land & Home
Select an eligible property and a manufactured home that meet FHA or VA guidelines.

6. Appraisal, Underwriting & Loan Closing
The lender orders the appraisal, completes underwriting, and once all conditions are met, you'll sign your closing documents. This officially funds your construction project.

7. Construction & Site Development Begins
Your project moves forward with site preparation, foundation, utilities, septic (if needed), driveway, and home delivery and installation.

8. Final Inspection
After construction is complete, the lender and local authorities perform the required final inspections to ensure everything meets FHA or VA requirements.

9. Final Loan Documents
Once the project passes inspection, you'll sign any remaining lender documents required before occupancy.

10. Welcome Home!
Receive your keys, move into your new home, and start making memories.