From Serving Our Country to Owning Your Home.
You served our country — now it’s our turn to serve you.
With Keystone Mortgage, Veterans and Active-Duty families can use their VA benefits to secure a Wolf Valley tiny home at a special discounted price, often with $0 down. It’s our way of helping heroes achieve freedom through ownership.
✅ 580+ Credit Score Qualifies
$0 Down for Eligible Buyers
🏡 Discounts for Veterans
VA Pre‑Approval Checklist (Fast)
Have these handy and you’ll cruise through approvals.
Basic info
Government ID, SSN
COE (VA)
Certificate of Eligibility (Keystone can help pull it)
Income docs
Recent pay stubs or proof of income
Bank info
Statements (and proof of funds if adding cash)
Credit range
An estimate is fine; lender will verify
Land details
Address/GPS or note “shopping for land”
VA vs Conventional (Quick Facts)
Pick what fits you best. Either way, you’ll always see the numbers up front.
VA OTC
- Veterans & Eligible Spouses
- Occupancy: Primary residence only
- Max LTV: Up to 100% with full entitlement
- Minimum FICO: 580+
- Term: 30‑year fixed
- Contingency Reserve: 10% of construction cost (financed)
Conventional OTC (Non‑VA)
- Occupancy: Primary / Second / Investment
- Max LTV: Up to 95% primary; 90% second; 85% investment
- Minimum FICO: 700+
- Terms: 15‑ or 30‑year fixed; 7/6 or 10/6 ARM
- Contingency Reserve: 10% of construction cost (financed)
Start Here
- Apply with Keystone (2–3 minutes)
- Schedule a Factory Tour
- Download the Catalog
Transparent pricing & inclusions (no surprises)
When you choose your model and selections, we send a line‑item proposal with clear inclusions/exclusions and a change‑order policy.
Included in your quote
- Base model with chosen selections & finishes
- Delivery, set, and anchoring of the home
- Orientation and warranty documents
Clearly noted (if applicable)
- Site prep, foundation/pad, driveway improvements
- Utility trenching/stubs to the set location
- Permits/HOA approvals handled by owner/contractor
Wolf Valley Gives Back
- Texas builder proud to serve those who serve
- Priority build slots for VA buyers when available
- Factory tours for military families
- Annual “Serve & Save” promotions
Financing FAQs
Can I put $0 down with VA?
Often yes—if you have full entitlement and qualify. Keystone will confirm your eligibility.
What credit score do I need?
VA loans with Keystone are considered at 580+ credit. Final approval depends on full underwriting.
Can I rent my current VA‑financed home?
Possibly. If you have sufficient remaining entitlement and will occupy the new Wolf Valley tiny home as your primary residence, Keystone can evaluate.
How long does the build take?
The build period is typically about 11 months, with up to a 1‑month modification allowed, followed by delivery and set.
Projects That May Qualify
- Tiny homes & ADUs: right‑sized living with real comfort.
- Sheds & outbuildings: storage, studio, or backyard office.
- Foundations & driveways: prep and access for your home.
- Interior updates: cabinetry, finishes, and more.
Final approval, terms, and eligible uses are determined by the lender during application.
What to Expect
- Simple online application via our partner
- Multiple lending options matched to your project
- Clear next steps and communication
- Transparent terms from the lender