Zero Down Landing Page

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Build on Your Land with $0 Down and No Payments During Construction

With United Built Homes, you don’t need a separate construction loan. We handle the financing in-house, so you can build your home with less upfront cost and a much simpler process.

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A Smarter Way to Start Building

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Here’s What $0 Down Really Means

No money due at signing for qualified buyers*
No interest during construction
No mortgage payments for up to 11 months
One loan from start to finish — no refinance needed

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Build on Your Land, the Right Way

We’re also experts at building on your land. We’ll look at your property, understand it, and ensure everything is set up the right way—including utilities and driveway if needed.

This is a good fit if you:

Already own land or plan to buy land
Want to avoid paying for two places at once
Prefer a simple, all-in-one financing process

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See If You Qualify for $0 Down

We’ve been building homes since 1958, and we’ve helped thousands of families do exactly this.

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* Our homes are typically completed in 6-8 months. Weather and other factors can affect this timeframe. Interest begins accruing in month 11 – your first scheduled payment includes only 30 days of interest and is due one year after the contract is signed.

**NMLS 39943. Mortgage offers for qualified home buyers.