New Construction & Land Loans in Chattanooga, TN
Building a home is one of the most exciting financial decisions a person can make, especially in a vibrant and expanding community like Chattanooga, TN. Whether the goal is to design a custom home from the ground up, purchase land for future plans, or build immediately after securing a lot, Home Loans With Shelly offers tailored new construction and land loan solutions. With access to Conventional, FHA, USDA, and VA construction financing, clients receive flexible options designed around their vision, budget, and long-term goals.
OUR SERVICES
Flexible Loan Options for New Construction
Financing a newly built home comes with unique steps and considerations, so Shelly works closely with buyers and builders to ensure the process moves forward smoothly.
Conventional Construction Loans
Conventional construction loans offer structured, phased funding for qualified borrowers planning to build on their own land or land acquired during the loan process. Borrowers gain control through flexible terms, competitive rates, and potential for converting the loan into long-term permanent financing once construction completes. Conventional programs work well for buyers with strong credit history, stable income, and a clear plan for building.
FHA Construction Loans
FHA construction loans are designed to support buyers with credit or down-payment challenges by offering a government-backed path into homebuilding. These loans bundle financing for the land, construction, and final mortgage into a single process. FHA construction financing appeals to first-time buyers and those needing more accessible qualification guidelines while still pursuing a customized home build in Chattanooga and surrounding areas.
USDA Construction Loans
For clients seeking to build outside the city center in eligible rural or suburban areas, USDA construction loans provide a valuable opportunity. With the ability to finance the entire project, these loans allow qualified borrowers to build with no down payment, subject to eligibility criteria. USDA construction financing opens doors for homebuyers seeking peaceful, scenic settings near Chattanooga while maintaining long-term affordability and financial stability.
VA Construction Loans
Active-duty service members, veterans, and eligible surviving spouses may qualify for VA construction financing. VA construction loans support land purchase and new home building without private mortgage insurance and with favorable terms, subject to VA guidelines. This financing option honors military borrowers by creating accessible pathways to homeownership through complete build-to-permanent loan structures.
Land-Only Loan Options
Financing Land With or Without Construction Plans
Not everyone is ready to build immediately. Home Loans With Shelly offers financing options that allow borrowers to secure land now and plan construction later. Whether the goal is to hold land as an investment, prepare for retirement building plans, or purchase acreage for future development, land-only loan programs provide flexibility and long-term opportunity.
Clients can choose a loan structure that aligns with their timeline, whether purchasing raw land, improved land with utilities, or a residential lot within an established development.
Building Confidence From the Ground Up
A Personalized Approach to Construction Lending
Construction financing involves phases such as planning, builder approval, budgeting, and draw disbursements. Shelly provides individualized support at every stage to ensure borrowers understand timelines, required documentation, inspection schedules, and conversion into permanent financing.
Clients receive guidance in reviewing builder qualifications, organizing construction budgets, and preparing for smooth loan draws throughout the building process. By focusing on transparency and borrower education, Shelly helps ensure that each project begins with confidence and progresses without unnecessary financial stress.
Supporting Homeowners From Land Purchase to Move-In
Local Insight and Dedicated Mortgage Support
Chattanooga continues to grow, drawing buyers who value the area’s natural beauty, community feel, and economic momentum. Home Loans With Shelly understands the regional market and helps clients navigate land values, zoning considerations, rural loan eligibility, and future-build planning.
Whether buyers want to secure a wooded lot near the Tennessee River, build in a mountainside community, or begin a custom home in a new subdivision, Shelly offers the resources and communication needed to bring the vision to life.
Every borrower receives focused attention, direct guidance, and clear communication from the first inquiry to project completion.
Start Planning Your Build Today
Creating a home from the ground up requires thoughtful planning, reliable financing, and supportive guidance. With programs spanning Conventional, FHA, USDA, and VA construction loans, along with land-only financing, Home Loans With Shelly stands ready to help Chattanooga buyers confidently begin their journey toward custom homeownership.
For anyone ready to purchase land, explore construction financing, or map out future building goals, Shelly is here to assist with experience, clarity, and a commitment to local homebuyers.