In order to qualify for a new home loan, there are a few basic requirements. In your meeting with a loan officer, they will need to have a few forms of identification, your credit score, and your income from a certain period of time. Your loan officer will guide you to which forms you will need and at what points they will need them in the process. When your home is close to being finished, usually within the last two months of your build, your loan officer will start the financing process for your new build. They will appraise your home and then process, underwrite, and fund your loan according to the closing date on your new construction home.