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Build a Home

Leverage Our Construction Advantage Loan

  • CheckmarkBuild on your own lot
  • CheckmarkSelect your custom builder
  • CheckmarkFinance the construction of your dream home
  • Member outlineExclusively for the military community

Construction Financing

What Is Included?

  • Loan amounts of $200,000 or more
  • Up to 80% of the home's value (including the lot)
  • Primary residences only

Who Is It For?

  • For current and former US military servicemembers with qualified credit and minimum 680 FICO (credit score)

Construction Advantage Overview

Are you wanting to build your dream home, but don’t know how to finance it? Then let AAFMAA Mortgage Services LLC (AMS) and our mortgage experts help you get the loan you need to start construction. If you already own a lot or you’re buying a piece of property to build on, our Construction Advantage loan may be the perfect solution. We offer very flexible terms and competitive rates—including up to seven draws to pay your builder as construction is completed. Then once your home is completed, we will help you get a traditional mortgage from a wide range of options, including VA Home Loans, FHA, USDA, and conventional loan products. Call us at 844-218-6926 or contact us today to get current rates and additional details


Important Notes and Disclaimers:

Construction Advantage is offered exclusively by AAFMAA Mortgage Services LLC to qualified borrowers who are current or former US military servicemembers. The information above is not a commitment to lend. All loans are subject to credit approval. Underwriting criteria is subject to change without notice. The Construction Advantage loan is only available in states where AMS is licensed (see our complete list of states and licensing here). For additional disclosures, see the links at the bottom of this page.

Are you moving? Start here to find your military construction specialist.