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Leader in VA and VA New Construction Loans! Learn More
Loan Garden
Let's Grow Together
At Loan Garden, we’re not like the big banks.
As a small, hands-on mortgage broker, we work directly with you to understand your unique needs and provide personalized solutions. Our streamlined approach means fewer overhead costs—savings we pass on to you with more competitive rates.
With our top-rated service and tailored approach, you’re not just a number to us—you’re a valued client.
New Construction
Loan Guide for Veterans
Learn how to finance your dream home using your VA benefits. Our free packet answers common questions, provides a step-by-step process, and compares VA vs. Conventional loans.
Key Features:
- No Down Payment: Qualified veterans can finance 100% of the construction cost without needing a down payment. This unique benefit allows you to build your dream home without large upfront costs.
- No Payments During Construction: With VA loans, you won’t need to worry about making payments during the construction phase. Payments start only once your home is complete, easing the financial burden while your new home is being built.
- A Complete VA New Construction Roadmap—100% Free: This comprehensive 20+ page guide takes the guesswork out of building a home with a VA loan, giving you step-by-step instructions, expert insights, and answers to the most common questions—all at no cost to you!
- Construction Loan Comparison: Compare the key benefits of using a VA loan for new construction versus conventional and other new construction financing options.
VA New Construction
Custom Worksheet
Not sure how much of a house payment you can afford? This guidebook will take the guesswork out of budgeting so you can choose a house payment that fits for you budget.
Key Features:
- What's the Best Down Payment?: Is 0% down best for you? We'll help you decide.
- Monthly Payments: Understand exactly what your monthly payments will look like, based on your loan amount and financial situation.
- Total Loan Amount Calculation: See how your total loan amount is calculated, taking into account the VA benefits you’ve earned and other key factors.
- Closing Costs: Get a clear estimate of how much you’ll need to bring to closing, so you can plan ahead with confidence.
Here’s Why Our Clients Love Working with Us
- Small & Personal: As a small company, we provide the kind of personalized attention and care that large corporations can’t.
- Competitive Pricing: With fewer overhead costs, we’re able to offer rates that larger banks just can’t match
- Proven Success: We’ve helped thousands of Veterans and homebuyers secure their loans, and our 5-star Google reviews speak for themselves.
- Hands-On Guidance: Our dedicated team walks you through the process from start to finish, ensuring a smooth experience.
We’ve helped thousands of Veterans and homebuyers achieve their homeownership dreams, and our Google reviews reflect that dedication.
"The Loan Garden team went above and beyond to make buying our home with a VA loan an incredibly easy and a straightforward process. They were on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. In fact, we were so impressed by their performance my wife and I have recommended Loan Garden to several home owners within our community. We can’t recommend them enough, they are absolute rock stars!"
— Brain M., U.S. Air Force Veteran
"Ian and Scott at Loan Garden were fantastic to work with. They provided an unbeatable rate and preapproval letter within the same day, and cleared to close within a week. They were highly responsive throughout the process making the home purchase as smooth as possible. Would highly recommend them to anyone looking to buy in the denver area."
— Tim A.
"Fantastic service and hand-holding during the process. Explained the "streamline VA loan" when no one else who quoted me even brought up let alone explain it. Very personable and did not make me feel I was another fee or commission, but an individual trying to do the right thing. Thank you!"
John L., U.S. Army Veteran
"I recently used Loan Garden to refinance my home and the entire process was a breeze. I've worked with Joe twice now, and this refi closed in less than 10 days. They give thorough explanations of your options and hold your hand every step of the way. Consummate professionals, won't go anywhere else but here in the future."
Joe S.
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