Start with a quick construction loan review before you buy land, select a builder, or spend money on plans.
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Review your scenarioLand, borrower profile, builder, property type, and construction goal.
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Check USDA eligibilityEligible income, property location, and basic USDA program fit.
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Build with confidenceUnderstand the path before you get too far into the process.
Why Rural Buyers Choose USDA One-Time Close
One loan. One closing. Built for rural living.
Instead of chasing separate loans for land, construction, and permanent financing, eligible borrowers may be able to combine the process into one USDA construction loan structure.
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One Loan / One ClosingSimplifies the process from construction to permanent financing.
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Finance Land + BuildLand, eligible site work, and construction may be included.
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Permanent Financing Built InConstruction loan converts to long-term financing after completion.
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Designed for Rural LivingBuilt around eligible rural properties and qualifying borrowers.
How It Works
USDA One-Time Close Construction
A quick review helps determine whether the borrower, property, builder, and construction plan may fit USDA guidelines.
1
Review the ScenarioLand status, income, credit, property location, loan amount, and overall construction goal.
2
Confirm Rural EligibilityThe home must be in an eligible rural area and meet applicable USDA and property requirements.
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Structure the BuildBuilder, plans, budget, appraisal, and construction documents are reviewed as part of the loan process.
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Close One TimeThe goal is a single USDA construction-to-permanent loan instead of multiple separate closings.
Built for rural buyers
Trying to build outside the city?
Many buyers want land, space, and a home built for their future — but rural construction financing can get confusing fast. This review helps you understand what may work before you get too far into the process.
✓ Build on eligible rural property
✓ Finance land and construction into one process
✓ Review site-built, modular, or qualifying manufactured home scenarios
✓ Work with a USDA construction expert who understands rural lending
Common Scenarios
What can we review?
Every file is different. A quick review helps determine whether the borrower, property, builder, and construction plan may fit USDA guidelines.
You already own landReview whether your land, equity position, and construction plan may fit a USDA construction loan structure.
You need land + homeLooking for land and wanting to build? We can review the full land-home scenario and discuss eligible rural areas.
Manufactured or modularSome manufactured or modular construction scenarios may be reviewed depending on program, property, and builder requirements.
Builder questionsConstruction financing requires the builder, budget, plans, and timeline to make sense. We can help identify early questions.
Low-to-no down optionsUSDA financing may offer low-to-no down payment options for eligible borrowers and eligible properties.
Denied elsewhere?Many lenders do not understand rural construction lending. A second look may help identify options or next steps.
Work with experience
Gabe Romo
Gabe Romo is a USDA One-Time Close Construction Expert with extensive rural lending experience. He helps borrowers, builders, and real estate partners review USDA construction scenarios before they waste time going down the wrong path.
USDA construction is not regular mortgage lending. It requires a lender who understands rural property, construction structure, builder review, and USDA documentation.
✓ Rural construction loan scenario review
✓ USDA experience and product knowledge
✓ Builder, property, and borrower review
✓ Clear next steps before you move too far forward
Ready to review your USDA construction scenario?
Schedule a quick USDA construction loan review with Gabe Romo. We’ll look at the land, construction plan, borrower profile, property location, and next steps.
