Carlos Scarpero- Dayton and Cincinnati Ohio Mortgage Broker

VA Renovation Loans in Virginia

Are you looking to get a VA renovation loan in Virginia?

I can help. I am a Virginia licensed VA Mortgage Specialist.

Over 50% of the mortgage loans that I originate are VA home loans and many of these are VA renovation loans.

As a full service mortgage broker with 110 different lenders to choose from, I have several options for VA renovation loans in Virginia.

VA renovation home loans have the following benefits.

Vetted VA logoI am proud to have completed the Vetted VA certification program.

Vetted VA is a program that allows loan officers to demonstrate that they have superior knowledge of the VA mortgage program.  

Less than 1% of loan officers out there have completed this certification.

The Vetted VA program also provides me a network of loan officers all around the country that can help. This means that any help needed to get the loan closed in a timely manner will get figured out quickly and easily.

About VA Renovation Loans In Virginia

Down Payment Required: None

Minimum Credit Score: None officially, but most lenders have their own minimum credit score

Other Requirements: Must be a Veteran

Frequently Asked Questions About VA Renovation Loans In Virginia

What is a VA renovation mortgage loan?

A VA Renovation Loan is a specialized mortgage offered by the U.S. Department of Veterans Affairs (VA) that provides eligible veterans, active-duty service members, reservists, and certain other uniformed personnel with the opportunity to purchase a home in need of repairs or improvements. This loan option allows borrowers to roll the costs of home renovations and improvements into the mortgage, making it an attractive solution for those interested in buying a fixer-upper or upgrading their existing property.

Do you only offer VA renovation mortgage loans?

VA renovation is one of several programs that I offer. I am a full service mortgage broker with VA, FHA, Conventional, USDA, Non QM and more,

Do you only do business in Virginia?

Yes, I serve the entire state of Virginia including: Alexandria, Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, Richmond, Roanoke, Suffolk, Virginia Beach.

My current states where I am authorized to do business are:

OhioKentuckyIndianaTexasFloridaTennesseeAlabamaVirginia and Arizona plus 33 additional states.

See what you qualify for

What types of improvements can be financed with a VA renovation loan?

VA renovation loans offer flexibility when it comes to the types of renovations and repairs that can be financed. Generally, the goal is to improve the property’s condition and livability, enhancing its overall value. Common eligible renovations and repairs include:

Home Remodeling: Veterans can use VA renovation loans to remodel existing spaces such as kitchens, bathrooms, basements, or adding an additional room.

Structural Repairs: Funds can be utilized for repairs to the foundation, roof, walls, or any other structural components.

Accessibility Improvements: Veterans can use the loan to make their home more accessible, such as installing ramps, wider doorways, or roll-in showers to accommodate mobility challenges.

Energy-Efficient Upgrades: Improving the home’s energy efficiency with features like energy-efficient windows, insulation, or HVAC systems may also be included in the loan.

Plumbing and Electrical Work: Renovation loans can cover upgrades or repairs to plumbing and electrical systems to meet current safety standards.

Flooring and Painting: Funds can be allocated for installing new flooring, painting the interior and exterior, or any other cosmetic improvements.

It’s important to note that while the loan allows for a wide range of renovations, the scope and extent of the improvements must align with local building codes and regulations. Additionally, the renovations must be deemed reasonable and necessary by the lender and the VA.

When applying for a VA renovation loan, borrowers will need to provide detailed plans and cost estimates for the proposed renovations. The lender will review these plans to ensure they comply with VA guidelines and will require that the renovations be completed by licensed contractors.

Overall, VA renovation loans provide veterans with the financial means to make essential upgrades and improvements to their homes, enhancing their quality of life and increasing the property’s value in the process.

See what you qualify for



Testimonial From Dan Bragg

I had gotten the runaround from another VA lender but you made it happen. Thank you Carlos!

Testimonial From Rodney Foster

Carlos made the process of getting a VA loan simple and I had no worries.

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