If you’re a veteran, active-duty service member, or eligible military spouse dreaming of building your own home, the VA One-Time Close (OTC) Construction Loan could be your best financing option.I’m Jerry Gray, Mortgage Loan Officer at Beaufort Lending, and I help veterans across Beaufort, Hilton Head, and the Lowcountry take advantage of VA construction financing to build their dream homes — often with $0 down and no PMI. Here’s how it works and why this program is a game-changer.