VA Land Loans: Can You Buy Land with a VA Loan?
Picture this: open land, blue sky, and the freedom to build your legacy on your terms. For many veterans, owning land feels out of reach—either too complex or completely off the radar. But here's the truth most lenders don’t tell you:
You can use a VA loan to buy land—if you know the rules, choose the right lender, and understand how to structure the deal. This blog breaks it down with zero confusion.
You served. Now it’s time to own land and build wealth—without paying commissions or getting lost in the fine print.
Key Takeaways:
- Yes, you can buy land with a VA loan—but only under specific conditions.
- Combining land + construction in one loan is the most viable VA option.
- Always work with a VA-approved lender, and verify terms, fees, and licensing disclosures.
The Hidden Truth About VA Land Loans
You’re not alone if you’ve wondered whether your VA loan can go beyond just buying a primary home.
Can You Buy Land with a VA Loan?
Sort of. The VA doesn’t issue land-only loans by themselves. However, the VA does back loans for land if it’s part of a package deal with construction. That means:
- You must intend to build a primary residence on the land The loan must cover both land and the future home
- The construction must begin within a “reasonable” time frame (generally 12 months)
Heads up: Raw land without plans to build is not eligible under VA rules (VA Pamphlet 26-7).
Why Most Veterans Never Hear About This Option?
Most lenders don’t advertise VA land loans. They see them as complex, risky, or unfamiliar. That doesn’t mean it’s impossible—it just means you need a VA-savvy lender who understands the land + construction process.
Reality Check: What You’ll Need?
- Certificate of Eligibility (COE)
- VA-approved lender willing to handle construction loans
- Builder registration and approval with the VA
- Construction plans and timeline
Pro Tip: Look for lenders who specialize in VA land and construction loans—like Be My Neighbour.
The Veteran Advantage: What Be My Neighbour Does?
Be My Neighbour is a VA-approved lender focused on helping veterans navigate the complexities of land and construction loans. Their team specializes in structuring VA construction-to-permanent loans, providing personalized support for land acquisitions paired with new builds.
What sets them apart:
- Deep expertise in VA loan eligibility and compliance
- Hands-on support through the entire build process
- Flexible structuring for land + construction financing
- Alignment with commission-free buyer programs through reAlpha
Veterans working with Be My Neighbour gain more than a loan—they gain a knowledgeable partner committed to maximizing every VA benefit.
Commission-Free Home Buying with reAlpha
If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home—perfect for veterans who want more buying power and less stress.
Why reAlpha?
- 100% commission-free buyer representation
- Personalized support from licensed agents
- Streamlined digital home search experience
Veteran-friendly guidance at every step.
Comparison Table: VA Land Loan vs Other Options
Land = Legacy
Think beyond homeownership. Think legacy.
Your land can be:
- A custom dream home
- A generational asset
- An income-producing property
Whether you're building a future for your family or planning smart wealth plays, VA land loans are a tool you’ve earned.
Explore your options:
- Be My Neighbour for strategic VA lending
- reAlpha for commission-free investing
You served—now it’s time your benefits served you.
Frequently Asked Questions
Can you use a VA loan for land and construction?
Yes—but only if the loan includes both land and a primary residence to be built.
What are VA land loan eligibility requirements?
You must have VA entitlement, a plan to build, and work with a VA-approved builder/lender.
Is it hard to get a VA land loan?
It can be—but with the right lender, it's doable.
Are there VA loans for buying raw land?
Not typically. VA only backs land purchases when construction is included.
Can I get a VA loan for land in another state?
Yes—as long as the property will be your primary residence.
Required Disclosures
- Be My Neighbour NMLS ID: #1743790
- This content is for educational purposes only and does not constitute a commitment to lend.
- Always verify rates and eligibility with a licensed VA-approved lender.
- reAlpha is a real estate investing platform and is not a mortgage lender.
- Commission-free refers to real estate transaction fees—not loan-related fees.
- All mortgage programs are subject to change without notice.
- Equal Housing Opportunity
- VA Home Loans are backed by the U.S. Department of Veterans Affairs (VA), but loans are issued by private lenders.
