Land of the free · Because of the brave
For active duty, veterans & surviving spouses
Built for Today. Crafted for Generations.
Legacy Custom Builders pairs award-winning custom home construction with the VA One-Time Close loan — land, construction, and permanent mortgage in a single closing, with zero down payment.
$0
Down payment required
1
Closing, one interest rate
On time
On budget, every build
Award
Winning custom builder
The benefit you earned
Most eligible service members never use their VA entitlement to build. It is the only path to a brand-new custom home with nothing down.
The VA advantage
You are not limited to what is already on the market. Your VA entitlement can finance the land, the construction and the mortgage on a home designed around your family — and it can do it without a down payment.
VA One-Time Close
A traditional custom build means a construction loan, a construction-to-permanent refinance, two sets of closing costs and a second qualification when the house is done. The VA One-Time Close collapses all of it into a single closing.
01
We pull your Certificate of Eligibility and confirm your remaining entitlement and buying power before you fall in love with a plan.
02
Lisa Copeland Real Estate sources the lot or acreage — and the land rolls into the same VA loan, so you are not writing a separate check.
03
Sit down with our design team to shape a plan, a fixed specification and a firm price. No allowances that quietly balloon later.
04
One closing covers land, construction and your permanent mortgage. One rate, one set of costs, no re-qualifying at the end.
05
Weekly updates, a locked schedule and interest-only payments while we build. On time and on budget is the standard, not the pitch.
06
Final walkthrough, keys, and a builder warranty. Your loan converts automatically — nothing else to sign.
A builder for all people
The VA One-Time Close is our specialty — but it is not our only door. If you are buying your first home, moving up, or paying cash, you get the same design team, the same fixed-price process, and the same on-time, on-budget promise we give every veteran we serve.
Veterans & active duty
Zero down, one closing, no PMI — for eligible service members, veterans and surviving spouses.
First-time buyers
A low 3.5% down path to building on your lot, with flexible credit requirements for first-time buyers.
Rural acreage
Zero down construction financing for eligible homes in approved rural areas of Central Texas.
Any buyer
Standard construction-to-permanent loans for stronger credit profiles and larger custom builds.
Cash buyers
Build without a lender at all — pay as you go with staged draws and full transparency.
Landowners
Own your lot outright? Your equity often covers most or all of the down payment, whatever loan you choose.
Not sure which path fits? Email jeremy@builtbylegacy.com or call (254) 598-0883 — we will walk you through your options in plain language, with no obligation.
Built by Legacy
Every Legacy home is built on the same foundation: God, family, and relationships — not just square footage.
The Ambrose
4 bed · 3.5 bath · 3,180 sq ft · Central Texas
1020 Inka Rd
Black board-and-batten & limestone · Central Texas
Custom Designs by Legacy
A look at custom homes designed and built across Central Texas — every plan drawn around the family who lives in it.
102 Holden Loop
990 Inka Rd
1021 Inka Rd
1402 Stone Russell
1413 FM 2657
Arrowhead
Hill Country Stone Ranch
Oak Grove Farmhouse
Build on your lot
Your land. Your dream. Our craftsmanship. Download the Legacy Custom Builders “Build On Your Lot” brochure — five reasons to build, and how the $0-down VA One-Time Close makes it possible.
Meet our team
You get a builder and a real estate advisor who have run this play together — from Certificate of Eligibility to final walkthrough.
Meet our team
Central Texas Home Builders Association · Parade of Homes awards night
Jeremy Toms
Owner / Builder
The builder
An award-winning Central Texas custom home builder that is proud to be much more than a builder. Fixed specifications, a locked schedule, weekly updates, and a company built on God, family and personal relationships.
builtbylegacy.com
The representation
Founder, Lioness Real Estate Group · eXp Realty, Austin
“Your Dream Home, Our Fierce Commitment.” Lisa and her Lioness Real Estate Group team represent Legacy Custom Builders and advocate for military families through land selection, contracts and closing.
lisacopelandrealestate.comHome of the brave
No obligation
Email Jeremy directly to confirm your VA eligibility, your one-time-close buying power, and what that buys in Central Texas — usually answered within one business day.
The fastest way to reach us
jeremy@builtbylegacy.comCall
(254) 598-0883Response
Mon–Sat, 8am–6pm Central. Most VA eligibility questions answered the same day.
Serving Central Texas, Austin, Georgetown, Salado, Killeen & the Hill Country
Legacy Custom Builders is a licensed builder, not a lender or a government agency. VA loan terms and eligibility are determined by the Department of Veterans Affairs and your approved lender.