New Construction
Build Your Dream Home — I'll Handle the Financing
New construction financing can feel complicated. It doesn't have to be. I'll walk you through every step from pre-approval to closing day.
VA New Construction? No Origination, Underwriting, or Processing Fees.
For military families building a new home, I offer NO origination, underwriting, or processing fees on VA new construction loans. That's money back in your pocket for upgrades, furniture, or just peace of mind.
Ask Me About VA New ConstructionWhy Choose Kate
New Construction Requires a Specialist
Building a new home is exciting — but the financing side has more moving parts than a typical purchase. Builder approvals, construction timelines, rate locks, and inspections all need to be coordinated perfectly.
With 25+ years of experience and deep relationships with local builders in the Clarksville and Fort Campbell area, I know exactly how to keep your new build on track from groundbreaking to closing.
Whether you're using VA benefits, FHA, conventional, or USDA — I'll find the right program and make sure the financing never holds up your build.
The Process
How New Construction Financing Works
Initial Consultation
We discuss your budget, timeline, and goals. I'll explain exactly how new construction financing works — no jargon, just clarity.
Get Pre-Approved
I'll get you a strong pre-approval so builders take you seriously. This also helps you understand your potential buying range based on your financial profile.
Choose Your Builder & Lot
Pick your builder, select your lot, and choose your floor plan. I work with builders across the Clarksville and Fort Campbell area.
Lock Your Rate & Build
We lock in your rate at the right time and monitor the build progress. I stay in close contact with you and the builder throughout.
Final Walkthrough & Close
Once your home is complete, we finalize everything and get you to the closing table — often faster than you'd expect.
Loan Options
New Construction Loan Programs
VA New Construction
- ✓$0 down payment
- ✓No origination, underwriting, or processing fees
- ✓Competitive rates
- ✓No PMI
- ✓Reusable benefit
FHA New Construction
- ✓As low as 3.5% down
- ✓Credit scores from 580
- ✓Gift funds allowed
- ✓One-time close available
- ✓Great for first-timers
Conventional New Build
- ✓As low as 3% down
- ✓No upfront funding fee
- ✓PMI removable at 80% equity
- ✓Flexible builder options
- ✓Competitive rates
USDA New Construction
- ✓$0 down payment
- ✓Eligible rural/suburban areas
- ✓Below-market rates
- ✓Low mortgage insurance
- ✓Many Clarksville areas qualify
New Construction FAQs
How is a new construction loan different from a regular mortgage?
With new construction, the home doesn't exist yet — so the process involves builder approvals, construction timelines, and sometimes a construction-to-permanent loan structure. I handle all of this for you and keep it simple.
Can I use my VA benefits for new construction?
Absolutely! VA new construction loans are one of my specialties. And with VanDyk Mortgage, I offer NO origination, underwriting, or processing fees for VA new construction buyers — that's real savings.
How long does it take to close on new construction?
It depends on the builder's timeline. Once the home is complete, many clients close in as little as 2–4 weeks — though timelines vary by borrower and file scenario. I stay on top of every detail to minimize delays on the financing side.
Do I need a bigger down payment for new construction?
Not necessarily! VA loans require $0 down, and FHA loans require just 3.5% — even for new builds. I'll help you find the best program for your situation.
Can I choose any builder?
In most cases, yes. I work with builders across the Clarksville and Fort Campbell area. Some programs have specific builder requirements, but I'll guide you through all of that.
Ready to Build Your Dream Home?
Let's start with a no-cost consultation. I'll help you understand your options and what programs may fit your situation.