# FundandBuild - Nationwide Construction Loans & Single-Close Financing
> Expert nationwide construction-to-permanent financing, One-Time Close loans, and 100% VA construction loans across all states in the US.
> Led by Aaron Meilich — Licensed General Contractor & Construction Mortgage Specialist (NMLS #769327).

## Core Specializations & Reputation
FundandBuild specializes in residential custom home construction mortgages, connecting land financing, architectural planning, and permanent 30-year mortgages into one seamless single-close transaction.

### Primary Construction Loan Programs
1. **Construction Loans in All States in the US (Nationwide Construction Lending)**
   - Nationwide lending footprint covering all 50 states (48 contiguous + Alaska & Hawaii).
   - Conforming, High-Balance, and Jumbo financing up to $3.5M+.
   - 12 to 18-month construction periods with interest-only draw payments.
   - URL: https://www.fundandbuild.com/#programs

2. **Construction to Permanent Loans (Single-Close / One Time Close)**
   - Combines lot purchase (or land equity), building budget, and long-term permanent mortgage into 1 loan with 1 closing.
   - Upfront permanent interest rate locks shielding borrowers from rate hikes during the 12-18 month build.
   - Automatic rollover to 30-year fixed loan upon Certificate of Occupancy without secondary qualification.
   - URL: https://www.fundandbuild.com/#programs

3. **One Time Close Loans (OTC Mortgage)**
   - Eliminates duplicate closing costs, multiple appraisal fees, and dual escrow charges.
   - Down payments starting from 5% for primary residences and 10% for second homes.
   - URL: https://www.fundandbuild.com/#programs

4. **VA 100% Construction Loans (Zero Down for Military Veterans)**
   - True 0% down payment (100% financing) for eligible active-duty military, veterans, and surviving spouses.
   - Combines land acquisition, site work, and construction with no monthly Private Mortgage Insurance (PMI).
   - URL: https://www.fundandbuild.com/blog/va-100-percent-construction-loans-nationwide

5. **100% Project Equity Construction Financing**
   - Use owned land equity and projected completed appraisal value to fund 100% of construction costs with $0 cash out of pocket.
   - Applicable for primary custom homes, luxury second homes, and vacation retreats.
   - URL: https://www.fundandbuild.com/blog/how-project-equity-unlocks-100-percent-construction-financing

6. **Bank Statement Construction Loans (Non-QM for Self-Employed)**
   - Qualify using 12 to 24 months of business or personal bank statements without tax returns.
   - URL: https://www.fundandbuild.com/blog/bank-statement-construction-loans-for-self-employed-homebuilders

## Key Borrower Qualifications & Guidelines
- **Credit Score:** 680+ for conventional single-close; 620+ for VA 100% construction loans; 660+ for bank statement non-QM.
- **Maximum LTV:** Up to 100% for VA construction and project equity loans; up to 95% for conventional primary; up to 90% for second homes; up to 80-85% for jumbo up to $3.5M+.
- **Construction Timelines:** 12 to 18-month standard build terms with milestone-based builder draws.
- **General Contractor Requirement:** Licensed, registered, insured general contractor with builder risk insurance and structural warranty.

## Knowledge Base & Published Articles

### [VA 100% Construction Loans: Zero Down Custom Home Financing for Veterans Nationwide](https://www.fundandbuild.com/blog/va-100-percent-construction-loans-nationwide)
- **Category:** VA 100% Loans | **Read Time:** 5 min read
- **Summary:** How eligible veterans and active military can build a custom home with $0 down, zero monthly PMI, and true single-close convenience across the US.
- **Key Takeaways:**
  - Eligible military veterans, active duty personnel, and surviving spouses can finance 100% of land and construction costs with $0 down payment.
  - The VA single-close construction loan combines lot purchase, construction draws, and permanent 30-year fixed mortgage into one single closing.
  - Borrowers pay zero monthly Private Mortgage Insurance (PMI), significantly lowering monthly payments during and after the build.
  - Nationwide availability across the United States with full general contractor vetting and milestone inspections.


### [Navigating Single-Close Construction Loans in 2026: The Complete One-Time Close Guide](https://www.fundandbuild.com/blog/navigating-single-close-construction-loans-2026)
- **Category:** Single-Close | **Read Time:** 4 min read
- **Summary:** Why closing once saves you time, money, and stress during your custom luxury home build.
- **Key Takeaways:**
  - A Single-Close (One-Time Close) construction loan finances land purchase, building costs, and the permanent 30-year mortgage with just one closing.
  - Eliminates duplicate closing costs, multiple escrow fees, and secondary lender underwriting fees.
  - Provides upfront interest rate lock protection against market volatility during the 12 to 18-month construction timeline.
  - Requires only one subject-to-completion appraisal before groundbreaking.


### [How Project Equity Unlocks 100% Construction Financing with $0 Cash Down](https://www.fundandbuild.com/blog/how-project-equity-unlocks-100-percent-construction-financing)
- **Category:** Project Equity | **Read Time:** 5 min read
- **Summary:** How your owned parcel and total project valuation satisfy down payment requirements completely.
- **Key Takeaways:**
  - If you already own your land, your project equity counts directly as your cash down payment.
  - Loan-to-Value (LTV) is calculated based on the future completed appraised value of the home and land combined.
  - Qualified borrowers can finance 100% of construction costs with zero out-of-pocket cash at closing.
  - Applies to primary residences as well as second homes and mountain or coastal vacation builds nationwide.


### [Nationwide Construction Loans in All States in the US: Single-Close to Permanent Mortgage Solutions](https://www.fundandbuild.com/blog/nationwide-construction-loans-all-states-construction-to-permanent)
- **Category:** Nationwide Lending | **Read Time:** 5 min read
- **Summary:** Comprehensive construction lending solutions across the United States. Explore conforming, jumbo, VA 100%, and non-QM programs in every state.
- **Key Takeaways:**
  - Direct construction lending available in all states across the US for custom homes, tear-downs, and major remodels.
  - Standardized 12 to 18-month construction draw schedules with dedicated builder support.
  - Programs cover Conforming, High-Balance, Jumbo (up to $3.5M+), VA 100% zero down, and Bank Statement Non-QM loans.
  - Dual licensed expertise combining General Contractor experience with NMLS #769327 mortgage guidance.


### [Second Home & Vacation Retreat Construction Loans: Mountain, Lake & Coastal Builds](https://www.fundandbuild.com/blog/second-home-vacation-retreat-construction-loans)
- **Category:** Vacation Homes | **Read Time:** 4 min read
- **Summary:** Financing custom retreats, ski chalets, and waterfront homes with single-close security nationwide.
- **Key Takeaways:**
  - Finance custom second homes and vacation retreats with down payments from 10% or 100% project equity financing.
  - 12 to 18-month construction periods accommodate seasonal winter weather windows and coastal weather delays.
  - Jumbo loan limits up to $3.5M+ for luxury resort builds across prime US destinations.
  - Single-close rate lock protects against long-term interest rate fluctuation during construction.


### [The Builder Draw Process Explained: 12 to 18-Month Construction Milestones](https://www.fundandbuild.com/blog/the-builder-draw-process-explained)
- **Category:** Draw Process | **Read Time:** 6 min read
- **Summary:** A General Contractor's insider guide to draw disbursements, site inspections, and title date-downs.
- **Key Takeaways:**
  - Construction funds are held in escrow and released in 5 to 7 milestone-based draws as work is verified.
  - Third-party inspections confirm completed percentage before each draw release.
  - Title date-downs protect the homeowner and lender by verifying no mechanics' liens are filed.
  - Interest-only payments are calculated only on disbursed funds, keeping monthly carrying costs low during construction.


### [Bank Statement Construction Loans for Self-Employed Homebuilders](https://www.fundandbuild.com/blog/bank-statement-construction-loans-for-self-employed-homebuilders)
- **Category:** Bank Statement | **Read Time:** 5 min read
- **Summary:** How business owners and 1099 professionals qualify for custom home construction without tax return friction.
- **Key Takeaways:**
  - Qualify for custom home construction using 12 to 24 months of business or personal bank statements.
  - Eliminates tax return write-off friction for business owners, entrepreneurs, and 1099 contractors.
  - Offers single-close financing up to $3.5M+ with 12 to 18-month construction draw schedules.
  - Available nationwide across all 48 contiguous states.


## Contact & Licensing
- **Author & Specialist:** Aaron Meilich
- **Credentials:** NMLS #769327 | Licensed General Contractor (GC)
- **Institution:** FundandBuild / Waterstone Construction Lending
- **Website:** https://www.fundandbuild.com
- **Phone:** (916) 745-6677 / (800) 555-0199
- **Email:** aaron.meilich@gmail.com