— VA RENOVATION
VA Renovation
Loan Financing
Finance a home purchase and approved cosmetic improvements under a single VA-backed mortgage in markets where Pacific Home Loans is licensed.
— ABOUT VA RENOVATION
VA Renovation
Loan Program
The VA Renovation Loan allows eligible veterans and active-duty service members to finance both the purchase of a home and approved improvements under one VA loan. Pacific Home Loans offers guidance on VA renovation financing and evaluates availability based on property location and program eligibility.
At this time, VA Renovation Loans are not currently available in Hawaii. However, this program may be available in other markets where Pacific Home Loans is licensed.
For an overview of available renovation financing options in Hawaii:
→ Renovation & Construction Loan Options in Hawaii
Multi-State Availability
Pacific Home Loans provides VA renovation financing solutions in multiple states, including California, Nevada, and other markets where we are licensed. Program availability varies by state, investor, and property eligibility.
— VA RENOVATION OPTIONS
How the VA Renovation
Loan Works
Where available, the VA Renovation Loan allows borrowers to combine purchase financing with approved renovation costs and finance up to 100% of the purchase price and eligible improvements, subject to VA entitlement and lender guidelines.
Renovation funds are typically disbursed through a structured process after closing. All loans remain subject to VA eligibility, appraisal, and underwriting approval.
Eligible Improvements
VA Renovation Loans are generally limited to cosmetic and non-structural improvements:
- Flooring replacement
- Interior painting
- Kitchen updates
- Bathroom improvements
- HVAC repair or replacement
- Minor exterior repairs
Major structural modifications, additions, or ground-up construction are typically not permitted under this program.
— VA RENOVATION FINANCING
VA Renovation vs
FHA 203(k) Renovation
VA Renovation is designed specifically for eligible veterans and follows VA guidelines. The FHA 203(k) Renovation Loan is a government-backed alternative available in Hawaii and may allow a broader scope of renovation work.
Related Renovation & Construction Programs
→ HomeStyle® Renovation Loan
→ FHA 203(k) Renovation Loan
→ Construction-to-Permanent Loan
→ Land Loan
