VA RENOVATION LOANS:
Buy, Repair, and Renovate with One VA-Backed Renovation Mortgage
You’ve served our country — now your VA benefits can help you create the home you’ve always wanted. With a VA Renovation Loan, eligible veterans can combine home purchase and repair costs into one VA-backed mortgage, often with no down payment required.
HOW IT WORKS
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BENEFITS OF VA RENOVATION LOAN
TAKE THE NEXT STEP TOWARD YOUR DREAM HOME.
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- Finance home purchase + repairs in one loan
- No down payment (for eligible borrowers)
- Competitive VA interest rates
- Finance energy-efficient or accessibility improvements
- Backed by the U.S. Department of Veterans Affairs for added peace of mind
ELIGIBILITY REQUIREMENTS
To qualify for a VA Renovation Loan, you must meet these basic guidelines:
- Must be an eligible veteran, active-duty service member, or surviving spouse
- Home must be your primary residence
- Renovations must improve the home’s safety, livability, or efficiency (not luxury items)
STEP 1:
Apply for VA Renovation Loan – no commitment required
STEP 2:
Get property appraised, including estimated renovation costs
STEP 3:
Close on your home – one loan, one closing for both home and renovation funds
STEP 4:
Contractors complete improvements
STEP 5:
Move into your newly renovated VA home
WHY CHOOSE A VA RENOVATION LOAN VS. OTHER LOANS:
VA Renovation Loan:
1 loan, 1 closing
No down payment
VA protections
Conventional Loan + Personal Loan:
2 separate loans, multiple closings
Requires down payment
Standard lender requirements
FAQs
Can I use a VA Renovation Loan for luxury upgrades like pools?
No, only repairs/improvements that add safety, livability, or efficiency.
What’s the max renovation amount?
Depends on appraisal and VA guidelines.
Can I refinance into a VA renovation loan?
Yes, refinances may also qualify.
Are energy-efficient upgrades allowed?
Yes, energy-saving home improvements can be rolled into your VA Renovation financing.
A streamlined way to finance home purchase and repairs in one loan — backed by the trusted benefits of your VA entitlement.
Find Out if a VA Renovation Loan Fits You
WHY CHOOSE US
