Est. 2026
VA Resource Center
Your dedicated hub for understanding how to leverage your hard-earned VA benefits for land acquisition, custom home building, or purchasing an existing property. We simplify the complex world of military housing benefits.
Understand Your Benefits
Plan Your Land Purchase
Move Forward with Confidence
Learn the specifics of the VA home loan program and how it applies to your unique goals.
Discover the strategic steps to securing land that is eligible for VA-backed construction.
Take action with a clear roadmap and expert support at every stage of the process.
Who Qualifies for VA Home & Land Benefits?
- Minimum service requirements (typically 90 days active duty during wartime, or 181 days during peacetime)
- Service-connected disability status or length of service
- Dishonorable discharge status (must be other than dishonorable)
- Surviving spouses of veterans who died in service or from a service-connected disability
Note: A Certificate of Eligibility (COE) is the official document that proves to a lender you qualify for a VA loan. Our team can help you obtain and understand your COE status quickly.
Top VA Loan Program Benefits
- No down payment required (up to appraised value)
- Lower interest rates and better terms than private loans
- No private mortgage insurance (PMI) needed
- Limited closing costs allowed
- No penalties for paying your loan off early
Flexible Loan Uses
- Purchase a 1-to-4 unit family home
- Buy a VA-approved condo or manufactured home
- Build a brand-new custom home
- Buy a lot for a future build
- Upgrade properties for energy efficiency
Growth & Reuse
- Use your benefit for your first home
- Reuse your benefit to sell or refinance later
- Allow a new buyer to assume your existing VA loan mortgage
VA Benefits FAQ
Can I use a VA loan to buy land only?
Strictly speaking, the VA loan is intended for residential use. However, you can use it to purchase land if you plan to build a home on that land immediately as part of the construction process. We will help you through the process.
What is the minimum credit score for a VA loan?
While the VA doesn't set a minimum score, most lenders look for a 580-620. We work with specialized lenders who understand military finances and can help you navigate your options. Don't let credit be your roadblock, we can help!
How much is the down payment for a VA loan?
One of the best VA benefits is the $0 down payment option. As long as the sales price doesn't exceed the appraised value, you typically don't need a down payment at all.
Can I build a custom home with a VA construction loan?
Yes! VA construction loans cover the cost of land, materials, and labor. Foxhole Land Co. specializes in connecting you with builders who are approved to work with these specific loan products.
What is the VA Funding Fee?
The VA Funding Fee is a one-time payment that helps reduce the cost of the loan for taxpayers. It can often be rolled into your loan amount. Note: Many veterans with service-connected disabilities are exempt.
How long does the process take?
Buying an existing home usually takes 30-45 days to close. Building a custom home takes longer—typically 6-10 months from breaking ground. We help manage the timeline from start to finish.
Official Government Links
The primary source for VA home loan information, eligibility requirements, and program details.
Learn how to obtain or request your Certificate of Eligibility.
Official explanation of military service requirements and eligibility criteria.
Overview of buying a home with a VA loan.
Special VA loan program for eligible Native American veterans.