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VA Home Improvement Loan

Is your family growing too fast for your home?  Need an extra bathroom? Looking to build a patio, a spare bedroom, or make your home more energy-efficient? VA home improvement loans allow qualified veterans to access up to 100% of their home's value to help with improvement projects.


the American dream

On any VA home improvement loan several factors will be taken into account to determine your eligibility:

Appraised Value

A VA appraisal must be ordered directly through the VA and assigned to a VA licensed appraiser. Our VA loan specialists can determine an estimate of the value of your home before the appraisal is ordered. This will save you money and help you determine the most manageable VA home improvement loan option.

Income & Employment

VA refinance for home improvement or debt-consolidation requires verification of your income and employment. You will need to provide:

  • Two most recent months pay stubs for all borrowers
  • Two most recent year's W2 forms (or tax returns) for all borrowers
  • Two year employment history and employer information including dates of employment, addresses, phone numbers & contact person
  • Proof of outside sources of income including rental property income, personal investments, settlements, child support, etc.

Assets & Liabilities

On a VA home improvement loan, disclosure of a veteran’s assets and debts/liabilities will help determine the affordability of a potential refinance. These documents include:

  • Two most recent months statements from all your accounts including checking, savings, investment, and retirement accounts(IRA, 401k, 403b, Pension).
  • A credit report speaks to credit worthiness and helps a loan underwriter determine a veteran’s monthly debt obligations.

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