VA Renovation Mortgage Loan

What You Need To Know About The VA Renovation Mortgage Loan Program

NOTE: Please note that this program has been temporarily suspended during this Covid-19 Pandemic. Feel free to check back or if you would like to be notified when it is available contact us here. Thank you and we wish you and yours good health and prosperity.

VA Renovation Mortgage Loan


Buy and Repair with a Zero-Down* VA Renovation Mortgage Loan!

Are you looking to buy a home, but everything home in your price range is in need of some improvements or upgrades to make it just right? The VA Renovation Mortgage Loan** is a solution you can use to both buy and improve your new home.

Not only do you get the full benefits of a zero-down VA mortgage loan, but you can include up to $35,000 total renovation cost for improvements. What can you use these new found funds for? You can use the VA Renovation funds to:

VA Renovation Mortgage Improvements and Upgrades


  • Make home improvements or repairs before moving into your home
  • Remodel an old kitchen or bathroom
  • Replace worn carpeting/flooring, remove wall paper and paint
  • Add energy efficient windows or update HVAC systems
  • And many other types of repairs and upgrades

If you have any questions about using your VA benefit for renovation loan or would like to get started on the the path to homeownership, please contact me at any time!

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  • The VA Renovation Program may only be used for minor remodeling and non-structural repairs.
  • The total renovation cost must not exceed $35,000. There is no minimum required renovation cost.

Programs and guidelines changes happen often and are in some cases lender specific and/or state specific. Always contact a qualified VA Renovation Program mortgage professional for the most up to date program and guideline information.

*100% financing up to the county loan limits available on purchase loans. Minimum FICO score requirements apply.
**Minor remodeling that does not involve structural repairs is allowed. Any repair or improvements require a work schedule longer than 3 months is not eligible. Other restrictions may apply. Rev. 2.918(0218-2138A);