Featured Registered Builder · Buckingham, Virginia

Get Up To 100% Financing & *$50K ExtraTo Build, Add On, Or Remodel With Huezo's Construction

Custom homes, additions, ADUs, and remodels across Buckingham, Lynchburg, Charlottesville, and Central Virginia, financed by one direct lender with VA, FHA, Conventional, Jumbo, ITIN, and 2nd lien construction programs under one roof.

30+Years building and remodeling homes in Virginia
LicensedAnd insured, owner-run custom home builder and general contractor
100%Up to 100% construction financing in qualifying scenarios
*$50KExtra funds available to qualified borrowers

How Do You Finance A Custom Home, Addition, Or Remodel With Huezo's Construction?

Huezo's Construction, LLC is a registered builder with our bank, so homeowners in Buckingham, Lynchburg, Charlottesville, and the rest of Central Virginia can finance a new custom home, a room addition, an ADU or cabin, or a major remodel with Huezo's through BuildBuyRefi.com. That includes up to 100% financing for eligible veterans or for borrowers whose land equity covers the down payment, plus a 2nd lien construction loan that leaves a low first mortgage rate alone.

The slow part of a construction loan is often the builder, not the borrower. A builder asked to sign on with an unfamiliar bank has to hand over company financials, sit through approval calls, and learn a new draw process, and many put it off. Huezo's has already been through that with us, so the only approval left is yours, which improves and speeds up the closing process.

Huezo's Construction is owned by Isai Huezo, who runs the company as owner, builder, and general contractor. The firm has been building and remodeling homes for more than 30 years, and its work covers the full range a rural Virginia homeowner tends to need: ground-up custom homes, room additions, kitchen and bath remodels, cabins and ADUs, stonework and concrete, decks, patios, and garages.

That range lines up with our lending. A new home on your own land points to a construction loan. An addition or remodel on a home you already own points to a renovation loan or a 2nd lien. Both are underwritten, funded, and draw-managed in-house at our bank, so the project stays with one lender from the first question to the final draw.

Bobby Atkisson, Top Rated Sr. Vice President and LPO Manager at BuildBuyRefi.com

Huezo's Construction clients work directly with Bobby Atkisson, Top Rated® Sr. Vice President & LPO Manager, NMLS ID# 28045, BuildBuyRefi.com, powered by The Federal Savings Bank, from the first eligibility question through the final draw.Construction, VA, And Renovation Financing  |  24+ Years In Mortgage Lending

Huezos Construction Custom Home 3 Story Exterior on Basement and Wooded Lot, financed by BuildBuyRefi.comCentral Virginia · New Custom Home On A Wooded Lot
01 Ground-Up Custom Home · Central Virginia

A Ground-Up Custom Home, Shown Finished First And Then Back To Raw Land

This is one Huezo's Construction custom home from start to finish. The top photos show it complete: the front entry, the full front elevation, the covered rear patio and deck, and the stonework. The row below runs the build in reverse, all the way back to the bare lot.

Tap any photo to view it larger.

Type: New Custom HomeScope: Lot To Move-InBuilder: Huezo's Construction
Huezos Construction Ground Up Build 10 Front Exterior Entry Completion, financed by BuildBuyRefi.com
CompletedFront Exterior Entry
Huezos Construction Ground Up Build 9 Front Exterior Completion, financed by BuildBuyRefi Home Loans
CompletedFront Exterior
Huezos Construction Ground Up Build 8 Rear Covered Exterior Patio and Deck Completion, financed by BuildBuyRefi.com
Outdoor LivingCovered Rear Patio And Deck
Huezos Construction Ground Up Build 7 Rear Completed Exterior, financed by BuildBuyRefi Home Loans
CompletedRear Exterior
Huezos Construction Ground Up Build 6 Stonework, financed by BuildBuyRefi.com
CraftsmanshipStonework

Rewind: From The Finished Home Back To Raw Land

05Huezos Construction Ground Up Build 5 Build Out with Deck, financed by BuildBuyRefi Home Loans
In ProgressBuild Out With Deck
04Huezos Construction Ground Up Build 4 Build Out, financed by BuildBuyRefi.com
In ProgressBuild Out
03Huezos Construction Ground Up Build 3 Frame Out, financed by BuildBuyRefi Home Loans
In ProgressFrame Out
02Huezos Construction Ground Up Build 2 Frame Out, financed by BuildBuyRefi.com
In ProgressEarly Framing
01Huezos Construction Ground Up Build 1 Raw Land, financed by BuildBuyRefi Home Loans
Starting PointRaw Land
Financing Fit

Every stage in that rewind is a construction draw. Land you already own can count toward the down payment, and in qualifying scenarios it covers it entirely. Our One-Time Close, Hybrid, and Two-Time Close loans all fit a build like this.

Owner-Run Custom Home Builder And Remodeler In Buckingham, Virginia

Huezo's Construction is the kind of builder a lot of rural Virginia homeowners go looking for: one company, run by its owner, that can take a project from design through the final walkthrough. Isai Huezo is the owner, the builder, and the general contractor, and reviewers repeatedly mention dealing with him directly, from the first estimate visit to the finishing details.

The company says it has been building and remodeling homes for over 30 years. It describes itself as fully licensed and insured, working to local Virginia building codes and safety rules.

Huezo's does not hand homeowners a stock plan. The team works with clients to draft a custom design for a new home or an addition, then helps them choose the materials, fixtures, and layouts. The company says its long-standing supplier relationships help it find cost-effective options during that selection stage without cutting corners on quality or safety.

That planning matters for a construction loan. Underwriting and the independent appraiser both work from the plans, the specifications, and the contract. A design and selection list settled before closing becomes a budget the loan can actually cover.

IH

Isai HuezoOwner, Builder, and General Contractor. Visits the site for estimates and stays involved through the build, according to client reviews.

30+

More Than 30 YearsBuilding and remodeling homes, per Huezo's Construction, with deep experience in the Virginia construction industry.

LI

Licensed And InsuredA fully licensed and insured construction company that follows local Virginia building codes, as stated by Huezo's.

VA

Based In Buckingham CountyServing Buckingham, Lynchburg, Charlottesville, Appomattox, Nelson, Cumberland, Palmyra, and surrounding Central Virginia.

How A Huezo's Construction Project And Your Construction Loan Move Together

Six steps, in order. Huezo's handles the design and the build. We handle the money. Lining the two up early keeps the estimate, the loan amount, and the draw schedule describing the same project.

  1. Financing

    Find Your Budget With Bobby Atkisson

    Start with a no-obligation eligibility check. Bobby reviews which structure fits, One-Time Close, our Hybrid Construction Loan, Two-Time Close, a renovation loan, or a 2nd lien, and how much land equity applies.

  2. Huezo's Construction

    Site Visit And Estimate

    Call Huezo's or use the contact form on its website to request an estimate. Reviewers describe Isai coming out quickly to see the project in person.

  3. Huezo's Construction

    Custom Design And Selections

    The team drafts the design with you and walks through materials, fixtures, and layouts. Settle the selections here, because finishes written into the contract can be part of the construction loan.

  4. Underwriting

    Plans, Contract, And Appraisal

    The signed contract, plans, and specifications go to underwriting. An independent licensed appraiser values the finished home from those documents and the land.

  5. Close And Build

    Loan Closes, Construction Starts

    Land equity is applied at closing. During the build, each draw releases after a third-party inspection confirms the work, and our bank funds every draw in-house.

  6. Completion

    Final Walkthrough And Permanent Loan

    When the home or addition is finished, the loan moves to its permanent phase, automatically on a One-Time Close or through the second closing on a Two-Time Close or Hybrid.

Custom Home Builder, Remodeler, And General Contractor In Central Virginia

Huezo's Construction takes on six kinds of residential work. Each one points to a different kind of loan, so naming the project narrows the financing quickly.

01

Custom Home Building

Ground-up homes designed with the client, from site work and framing through stonework, porches, and finishes.

How It Can Be FinancedOne-Time Close, Hybrid, or Two-Time Close construction loan
02

Room Additions

New rooms, sunrooms, enclosed porches, and expansions tied into the existing house, foundation to roofline.

How It Can Be FinancedRenovation loan, or a 2nd lien that keeps your current rate
03

Interior Remodeling

Kitchens, bathrooms, primary suites, opened-up floor plans, and load-bearing wall removal.

How It Can Be FinancedFHA 203K, FNMA HomeStyle, VA Renovation, or 2nd lien
04

Cabins, ADUs, And Second Homes

Smaller homes and guest units like the cabin shown below, built on a permanent foundation.

How It Can Be FinancedConstruction loan or 2nd lien, 400 sq ft minimum, permanently affixed
05

Stonework And Concrete

Custom stonework, stamped concrete, and concrete features, which Huezo's calls one of its core specialties.

How It Can Be FinancedIncluded in a new build or remodel contract
06

Decks, Patios, And Garages

Wood and composite decks, covered patios, screened porches, and detached garages.

How It Can Be FinancedIn a build or remodel contract, a 2nd lien, or the *$50,000 extra

Barns are the one item to talk through first. Huezo's builds barns, but a stand-alone barn is not a home, so it is reviewed case by case. A barndominium built as a primary residence or second home is a different story and can be financed under our construction programs.

02 Home Addition & Remodel · Virginia

A Home Addition With A Glassed-In Porch, From Basement Foundation To Finish

The finished addition comes first: a glassed-in porch and an aerial view of how the new space joins the house. Then the build itself, from the basement foundation through framing to the fireplace.

An addition like this changes how a home lives without the cost and hassle of moving.

Type: Addition And RemodelScope: Foundation To FinishBuilder: Huezo's Construction
Huezos Construction Home Addition and Remodel Exterior 1 Final Completed Glassed in Porch, financed by BuildBuyRefi Home Loans
CompletedGlassed-In Porch Addition
Huezos Construction Home Addition and Remodel Exterior 2 Completion Aerial Shot, financed by BuildBuyRefi.com
CompletedAerial View Of The Addition
Huezos Construction Home Addition and Remodel Exterior 3 Basement Foundation, financed by BuildBuyRefi Home Loans
StageBasement Foundation
Huezos Construction Home Addition and Remodel Exterior 4 Build Out Framing, financed by BuildBuyRefi.com
StageBuild Out Framing
Huezos Construction Home Addition and Remodel Exterior 5 Frameout and Fireplace, financed by BuildBuyRefi Home Loans
StageFrame Out And Fireplace
Financing Fit

Already have a low first mortgage rate? Our 2nd Mortgage Construction-to-Permanent loan funds the addition in inspected draws and converts to a fixed-rate second lien, so your first mortgage stays exactly as it is.

What We Can And Cannot Finance With Huezo's Construction

Huezo's builds more than our bank finances. Here is exactly where the line sits, so there are no surprises after you have a design and an estimate in hand.

Eligible

What We Can Finance

  • New custom homes as a primary residence, second home, or investment property, on land you own or buy at closing
  • Room additions, porch enclosures, and whole-home remodels through renovation loans or a 2nd lien
  • Cabins, ADUs, and small homes of at least 400 square feet that are permanently affixed to the land
  • Barndominiums built as a home, and owner-occupied duplexes
  • Stonework, concrete, decks, covered patios, and garages written into the build or remodel contract
  • Teardown and rebuild projects under our construction programs
  • Jumbo construction up to $4.5 million, case by case
Not Eligible

What We Cannot Finance

  • Tiny homes under 400 square feet, or any small structure not permanently affixed to the land
  • Stand-alone barns as their own loan, which are reviewed case by case at most
  • Self-build or owner-as-contractor projects of any kind
  • Land titled to someone else that is not being transferred to the borrower
  • Work left out of the build contract, which cannot be added to the construction loan after closing

Where the extra funds fit. A deck, patio, garage, or outdoor project that sits outside the main contract can often be covered by the *$50,000 extra consumer loan below, when it is paired with a BuildBuyRefi mortgage on the property.

The appraisal is completed by an independent appraiser from the land, plans, and specifications, and we have no influence over the value. Anything you want financed belongs in the contract before closing.

Exclusive Program

*$50,000

Extra Funds For The Projects That Never Fit The Build Contract

Qualified borrowers can access up to $50,000 in separate, unsecured funds before, at, or after closing, underwritten in-house alongside the mortgage. It does not rely on equity and it does not affect loan-to-value. We are not aware of another lender in this space offering it.

How Huezo's Construction Clients Could Use It

A deck or patio added later

The covered deck or stamped concrete patio that got cut from the first budget, built by Huezo's once you are moved in.

A detached garage or workshop

Room for vehicles, tools, or equipment on rural land, a common next project after the house is done.

Appliances and furnishings

A construction loan builds the house. It does not fill it. New appliances, furniture, and window treatments add up fast.

Upgrades chosen during selections

The countertops, tile, or fixtures picked during Huezo's selection stage that ran past the original allowance.

Driveway, grading, and landscaping

Gravel, grading, sod, fencing, and plantings on a wooded or rural lot, which rarely make the construction budget.

Consolidating debt to qualify

Paying down revolving balances can improve the debt-to-income ratio, which in some scenarios helps a borrower qualify for the loan size the project needs.

*Up to $50,000 is available to qualified borrowers and can be applied across our loan programs. This is a separate unsecured consumer loan underwritten in-house at the same time as the mortgage. Proceeds cannot be used for a down payment. Approval, amount, rates, and terms depend on credit qualification and are not guaranteed. Contact your banker for applicable rates, terms, and conditions.

Construction Loans For Huezo's Construction: VA, FHA, Conventional, Jumbo, And ITIN

BuildBuyRefi.com is powered by The Federal Savings Bank, an FDIC-insured, veteran-owned direct lender licensed in all 50 states, NMLS #411500. Every program below is available with Huezo's, for a primary residence, a second home, or an investment property, through any of three loan structures.

Three Ways To Structure The Loan

One-Time Close

Qualify Once, Close Once

The permanent terms are set at the first closing, and the loan converts when the home is finished with no re-qualification and no second appraisal. One set of closing costs for the whole project.

Hybrid Construction Loan

Single-Close Feel, Flexible Rate

Built in-house. Both sets of documents are prepared upfront, so it runs like a single close with one set of fees while the permanent rate stays open until completion. FHA and VA streamline eligible in qualifying scenarios. A broker or correspondent cannot offer it.

Two-Time Close

Set The Rate At The End

Construction and permanent financing close separately, so the permanent rate is set on the market when the home is done. We cover the origination fee on the second closing, and FHA and VA can streamline the permanent loan.

Program Details At A Glance

VA construction, eligible veterans
Up to 100%
VA mortgage insurance
None
Conventional and FHA minimum score
640
Jumbo construction loan amount
Up to $4.5M
ITIN construction
Available
Second home construction
Available
Investment construction
1 to 4 units
2nd lien construction
Case by case
Administrative fees
None

Credit, occupancy, property type, and loan size determine final eligibility and terms.

Zero Down, Veteran Or Not

Eligible veterans with full entitlement can build with up to 100% financing and no mortgage insurance. For everyone else, land equity is the path to zero down. Rural acreage you already own, or land you buy at closing, can be applied toward the down payment, and in qualifying scenarios it can cover it entirely.

Why A Direct Lender Matters

A broker passes your file to another lender. A correspondent closes the loan, then sells it, and an outside investor's rules take over. We originate, underwrite, fund, and manage every draw in-house, so a question during framing gets answered by people who work here.

No administrative fees on our construction programs. Embedded fee layers of $40,000 to $100,000 or more show up on many broker and correspondent construction loans. Ask for every fee line by line on any quote you compare.

All programs are subject to credit qualification, property eligibility, reserve requirements, and applicable program guidelines. Rates, terms, and availability vary by borrower, property, occupancy, and loan amount, and are not guaranteed. Appraisals are performed by independent licensed appraisers and construction inspections by third-party inspectors. Contact your banker for applicable rates, terms, and conditions.

03 Cabin · ADU · Second Home

Cabin And ADU Financing For A Huezo's Built Guest House Or Second Home

A smaller home built to the same standard as a full-size one: a cabin-style exterior, a full kitchen, a finished bathroom, and a sleeping loft. One client review describes Huezo's building a small home in Virginia from the ground up, quickly and without drama.

Use it as a guest house, a place for a parent, a rental, or a weekend home. To finance it, the home needs at least 400 square feet and a permanent foundation.

Huezos Construction Exterior Cabin and ADU, financed by BuildBuyRefi.com
ExteriorCabin And ADU
Huezos Construction Cabin and ADU Interior Kitchen, financed by BuildBuyRefi Home Loans
InteriorKitchen
Huezos Construction Cabin and ADU Interior Bathroom, financed by BuildBuyRefi.com
InteriorBathroom
Huezos Construction Cabin and ADU Interior Loft, financed by BuildBuyRefi Home Loans
InteriorSleeping Loft

ADU On Land You Already Own

Our 2nd Mortgage Construction loan builds the unit in inspected draws, then converts to a fixed-rate, closed-end second lien. Your first mortgage keeps its rate and balance.

A Cabin As A Second Home

Building a weekend place on separate land? Second home construction is available through our One-Time Close, Hybrid, and Two-Time Close structures.

A Rental Or Investment Unit

Investment construction covers 1 to 4 units. How you plan to use the home shapes the review, so tell Bobby up front.

Case By Case

There is no set maximum on our 2nd lien construction loans. Each ADU, cabin, or addition is reviewed on the project, your equity, and your credit.

Remodel And Room Addition Financing That Keeps Your First Mortgage Rate

Many of the homes Huezo's works on are older Virginia houses: 1970s ranches with closed-off floor plans, dated kitchens, and porches that need rebuilding. Reviewers describe walls coming out, beams going in, kitchens redone, and porches and decks added. We offer two ways to pay for that kind of work.

Path 01 · Second Lien

2nd Mortgage Construction-To-Permanent

A large share of homeowners locked first mortgage rates between 2.5 and 4.0 percent in 2020 and 2021. A cash-out refinance trades that rate on the entire balance, and over time that can cost more than the remodel itself.

Our 2nd lien construction loan funds the project in inspected draws and converts to a fixed-rate, closed-end second lien when the work is done. Only the new money carries a new rate. No other lender we know of offers this structure.

Path 02 · First Lien

Renovation Loans For A Purchase Or Refinance

Buying an older home to fix up, or refinancing anyway? Renovation loans roll the work into the first mortgage. Bobby Atkisson is an FHA 203K, FNMA HomeStyle, and VA Renovation Specialist and can compare them side by side.

Larger projects can use our Jumbo Renovation program, up to $2.5 million in first lien position, higher with Loan Committee approval.

Huezo's Projects These Loans Fit

Open Floor Plans

Load-bearing walls removed and replaced with a new beam, with drywall and trim matched to the house.

Kitchen And Bath Remodels

New cabinets, lighting, tile backsplashes, and appliances in kitchens and bathrooms.

Additions And Primary Suites

Added rooms, glassed-in porches, and primary suite expansions built onto the existing home.

Screened Porches And Decks

Covered porches with wiring and ceiling finishes, and decks set on posts and tied to the house.

Exterior Remodels

New siding, stonework, and curb appeal updates on an existing house.

Detached Garages

A new garage on your property, financed with a 2nd lien or within a larger project.

More Huezo's Remodeling Work

Huezos Construction Exterior Remodel Dark Siding, financed by BuildBuyRefi.com
Exterior Remodel, Dark Siding
Huezos Construction Kitchen Remodel, financed by BuildBuyRefi Home Loans
Kitchen Remodel
Huezos Construction Interior Remodel Stairwell and Living Room, financed by BuildBuyRefi.com
Stairwell And Living Room
Huezos Construction Interior Remodel 2 Mantle and Built Ins, financed by BuildBuyRefi Home Loans
Mantle And Built-Ins

Subject to credit qualification, property eligibility, lien position, available equity, appraisal, and applicable program guidelines. Loan amounts above standard program limits require Loan Committee approval. Rates and terms vary by borrower and property and are not guaranteed. Local zoning and permitting govern what may be built on any property. Contact your banker for applicable rates, terms, and conditions.

What Huezo's Construction Clients Say

Summaries of public reviews on Google and Yelp. The same themes repeat: fast starts, clean job sites, honest pricing, and an owner who stays involved.

A couple who bought a 1970s brick ranch hired Huezo's to remove a load-bearing wall and open the kitchen and family room. They say a crew of four arrived on time, kept the work area clean, set a new beam, and matched the drywall and trim. They went on to add a screened porch and deck and then redo the kitchen, and plan to have Huezo's do their bathrooms next.

David D. · Ranch Remodel · Google

Hiring a company more than two and a half hours from the job site made this homeowner nervous at first. He says the team was honest and clean, and finished a kitchen remodel, addition, and upgrades in under 10 weeks, when other contractors had quoted three months or longer. He calls speed, quality, and integrity the reasons he recommends them.

Stephen H. · Addition & Kitchen · Google and Yelp

A client who hired Huezo's to build a small home in Virginia says the company was very responsive, got started right away, and that the finished home turned out great.

Dan U. · Small Home Build · Google

A homeowner who had Huezo's build her home says she is glad she chose them, recommends them fully, and would use them again for the quality of the work.

Suzy S. · New Home · Google

This reviewer describes Huezo's as an excellent general contractor that stayed with an old house renovation through every stage and knew the answer to nearly every question.

Robin H. · Older Home Renovation · Google

After her project, one homeowner says you could not tell construction had ever happened, and she recommends them for responsiveness, quality, professionalism, and value.

Liz C. · Home Project · Google

Save Up To 30% On Real Estate Commissions When You Sell A Home Or Buy Land

Plenty of Huezo's projects come with another transaction attached: a current home to sell before moving into the new one, or rural acreage to buy first. Qualified borrowers can save up to 30% on real estate commissions on those transactions through our participating agent network in all 50 states, applied as a closing cost credit or toward a rate buy-down.

Selling Your Current Home

Moving into a new custom home usually means selling the one you live in now, and part of that commission can stay with you.

Buying Agent-Listed Land

Buying a lot or acreage in Buckingham, Nelson, or Appomattox County listed with an agent? The savings apply to that purchase too.

Credit Or Rate Buy-Down

Take the savings as a credit toward closing costs or put it toward a lower rate. Bobby can run both and show which helps more.

What this covers and what it does not. The benefit applies only to agent-represented transactions: selling an existing home, buying an existing listed home, or buying land listed with an agent. It does not apply to a home built by Huezo's Construction. A build contract is a direct agreement with the builder, with no listing agent and no commission involved.

No money changes hands between us and the agents in either direction. We do not pay them, they do not pay us, and we earn nothing when a borrower uses one. Paying or receiving fees for referrals of federally related mortgage loans is prohibited by law, and we do not do it.

Commission savings are available to qualified borrowers through a participating real estate agent network, subject to agent availability, program terms, and applicable state law. Savings apply to the fee received by the participating brokerage representing the borrower and are applied toward closing costs or a rate buy-down. Actual savings vary by property, sale price, and agreement. This benefit does not apply to the direct purchase or construction of a new home from a builder. No referral, affiliate, or other fee is paid or received by BuildBuyRefi.com or The Federal Savings Bank in connection with this benefit.

Huezos Construction Ground Up Build 7 Rear Completed Exterior, financed by BuildBuyRefi.comCentral Virginia · Ground-Up Custom Home

Meet Bobby Atkisson, The Banker Assigned To Huezo's Construction Clients

Bobby Atkisson, Top Rated Sr. Vice President and LPO Manager at BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS ID 28045

Bobby Atkisson

Top Rated® Sr. Vice President & LPO Manager

BuildBuyRefi.com, powered by The Federal Savings Bank  |  NMLS ID# 28045

New Construction Loan SpecialistConstruction Loan SpecialistVA Construction Loan SpecialistVeteran Lending SpecialistFHA 203K SpecialistFNMA HomeStyle SpecialistVA Renovation Specialist

Bobby leads the BuildBuyRefi.com team as Senior Vice President and LPO Manager at The Federal Savings Bank. He brings more than 24 years of mortgage lending experience and a degree in Finance with a Real Estate minor, and he works with borrowers in all 50 states, in person or remotely.

His credentials cover everything Huezo's builds. Construction and VA construction for new custom homes and cabins. FHA 203K, FNMA HomeStyle, and VA Renovation for additions and remodels. Veteran Lending for building with up to 100% financing.

What Bobby handles for a Huezo's client: setting a budget before design, comparing One-Time Close, Hybrid, and Two-Time Close for the project, applying land equity, choosing between a renovation loan and a 2nd lien for an addition, and keeping draws in step with Huezo's schedule. Read Bobby's full bio.

Huezos Construction Ground Up Build 9 Front Exterior Completion, financed by BuildBuyRefi Home LoansCentral Virginia · Completed Custom Home

Check Your Eligibility To Build Or Remodel With Huezo's Construction

A few questions show which programs fit your land, your project, and your budget. No credit pull, no Social Security number, and no obligation. Your answers go to Bobby Atkisson and to Huezo's Construction.

5-star review rating for BuildBuyRefi.com Customer headshots representing 3000+ recommendations for BuildBuyRefi.com Zillow, Facebook, Google, Trustpilot, and Top Rated reviews for BuildBuyRefi.com
Huezos Construction Ground Up Build 8 Rear Covered Exterior Patio and Deck Completion, financed by BuildBuyRefi.comCentral Virginia · Covered Patio And Deck

Schedule A Call With Bobby Atkisson

Pick a time that works. Bring your land details, a rough budget, your current mortgage rate if you are adding on, or Huezo's estimate if you have one, and Bobby will walk through which programs fit.


Frequently Asked Questions About Huezo's Construction And Construction Financing In Virginia

The questions Central Virginia homeowners ask most before building, adding on, or remodeling with Huezo's, answered plainly.

Where does Huezo's Construction build?

Huezo's Construction is based in Buckingham, Virginia and serves Buckingham, Lynchburg, Charlottesville, Appomattox, Nelson, Cumberland, Palmyra, and the surrounding Central Virginia area. Projects farther out are considered case by case. Our financing is available in all 50 states, so buyers relocating to Virginia can qualify too.

Can I get 100% financing to build a home with Huezo's Construction?

In qualifying scenarios, yes. Eligible veterans with full entitlement can build with up to 100% VA construction financing and no mortgage insurance. Other borrowers can reach zero down through land equity: land you own, or buy at closing, can be applied toward the down payment and can cover it entirely when the equity is sufficient.

What loan programs can I use with Huezo's Construction?

VA, FHA, Conventional, Jumbo, and ITIN construction are all available, for a primary residence, a second home, or an investment property. Each can be structured as a One-Time Close, our Hybrid Construction Loan, or a Two-Time Close, and 2nd lien construction loans are available for additions, ADUs, and remodels.

Can I finance a room addition or remodel without refinancing my first mortgage?

Yes. Our 2nd Mortgage Construction-to-Permanent loan funds the project during construction and converts to a fixed-rate, closed-end second lien at completion, so your first mortgage keeps its original rate. There is no set maximum; each project is reviewed case by case, subject to credit and available equity.

Can I finance a cabin, tiny home, or ADU built by Huezo's?

Yes, when the home is at least 400 square feet and permanently affixed to the land. It can be financed as a second home, an investment property, or an ADU on land you already own through a 2nd lien. Smaller structures, or ones not on a permanent foundation, are not eligible for a mortgage.

Can decks, patios, stonework, and garages be included in the loan?

Yes, when they are written into the build or remodel contract before closing. A deck, patio, or garage added later can be financed with a 2nd lien or, for qualified borrowers, with the up to $50,000 extra consumer loan. A stand-alone barn is reviewed case by case.

Why does it matter that Huezo's Construction is already a registered builder?

Builder approval is a real step. A lender with no relationship has to collect the builder's financials, run its own review, and onboard the builder before your file can move, and many builders are slow to repeat that for a new lender.

Huezo's is already registered with our bank, so that work is done. The only approval left is yours, which improves and speeds up the closing process.

What credit score do I need for a construction loan?

The minimum is 640 on Conventional and FHA construction programs. Jumbo construction and investment construction carry higher minimums. Bobby Atkisson can review where you stand before you apply, with no credit pull for the eligibility check.

What is the difference between One-Time Close, Hybrid, and Two-Time Close?

A One-Time Close sets the permanent terms at the first closing and converts automatically when the home is done. A Two-Time Close uses two closings, so the permanent rate is set at completion. Our Hybrid Construction Loan prepares both sets of documents upfront, so it feels like one closing with one set of fees, while the permanent rate stays flexible until the home is finished.

Does Huezo's Construction help with design?

Yes. Huezo's says it works with clients from the beginning to draft a custom design for a new home or addition, and helps choose materials, fixtures, and layouts. Settling those choices before closing matters, because work in the signed contract can be financed and work added after closing cannot be added to the construction loan.

Contact Huezo's Construction In Buckingham, Virginia

Huezo's Construction works on site across Central Virginia rather than from a showroom. Call or use the contact form on its website for an estimate, or start with the financing and learn what your project can support first.

Huezos Construction Custom Home 2 Story Exterior, financed by BuildBuyRefi Home Loans
Huezo's Construction LLC logo, financed by BuildBuyRefi.com
The Builder

Huezo's Construction, LLC

Isai Huezo, Owner, Builder, and General Contractor

Based in Buckingham, VA 23921
Serving Central Virginia

Phone: (540) 810-3735
Email: isai@huezosconstructionllc.com
Website: huezosconstructionllc.com

Hours: Monday to Friday, 8 AM to 6:30 PM
Closed Saturday and Sunday

Home Building  ·  Remodeling  ·  Gallery

Financing Contact

Bobby Atkisson

Top Rated® Sr. Vice President & LPO Manager
BuildBuyRefi.com, powered by The Federal Savings Bank
NMLS ID# 28045

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Why Homeowners Choose Huezo's

One Owner, Start To Finish

More than 30 years of Virginia building and remodeling, an owner who comes out to see the project himself, clean job sites, and a single company for the house, the addition, the stonework, and the deck.

Huezo's answers the design and building questions. Bobby Atkisson answers the financing questions, and both conversations can happen before a dollar is committed.

Where Huezo's Construction Builds And Remodels

From its base in Buckingham County, Huezo's Construction serves seven Central Virginia communities and the area around them. Locations farther out are considered case by case.

Appomattox, VABuckingham, VACharlottesville, VACumberland, VALynchburg, VANelson, VAPalmyra, VASurrounding Central Virginia

For homeowners searching for a custom home builder in Buckingham or Appomattox, a home addition contractor in Lynchburg or Charlottesville, a remodeling contractor in Nelson or Palmyra, or a cabin and ADU builder in Cumberland, this is the area Huezo's covers.

On the lending side there is no geographic limit. BuildBuyRefi.com is licensed in all 50 states, so financing works anywhere Huezo's builds and for buyers moving to Virginia from anywhere in the country.