VA Renovation Loan Lenders: How to Find One for Your Project
By Carlos Scarpero, NMLS #1674385, VA and Non-QM Mortgage Specialist | Author of ‘VA Loans Made Easy’ | Last reviewed October 2026. Looking for a VA renovation loan? See if you qualify in 30 seconds. No credit pull. The short version Finding a lender for a VA renovation loan is often harder than qualifying for […]
VA Renovation Loan Myths: VA Rules vs. Lender Overlays
The short version Most of what you read online about VA renovation loan “rules” is actually describing one lender’s program restrictions, not VA requirements. Finding a lender whose program fits your project is often the real battle. VA’s own alteration-and-repair rules are short and broad: the work must be the kind ordinarily found on similar […]
VA Appraisal Failed Because of Repairs? You May Not Have to Fix Them Before Closing
Your VA appraisal comes back and there’s a problem. The roof needs to be replaced. The HVAC system isn’t working properly. The septic system needs repairs. Or the VA appraiser identifies another Minimum Property Requirement, commonly called an MPR, that needs to be corrected before the property is acceptable. A lot of buyers and real […]
Structural Repairs and $100K+ Projects on a VA Renovation Loan: What the VA Handbook Says
By Carlos Scarpero, NMLS #1674385, VA and Non-QM Mortgage Specialist | Author of ‘VA Loans Made Easy’. If you’ve been told a VA renovation loan can’t go over $50,000, can’t go over $100,000, or can’t include structural repairs, check where that rule came from. VA’s own guidance doesn’t say any of those things. Those limits […]
The VA Energy Efficient Mortgage (EEM) : The Complete Guide
The VA Energy Efficient Mortgage (EEM) : The Complete Guide Table of Contents Key Takeaways What Is the VA Energy Efficient Mortgage (EEM)? Eligible Energy Efficient Improvements Loan Amount Limits and Justification Requirements Appraisal and Loan Amount Considerations Using the VA EEM: Purchases and Refinances How Repairs and Improvements Are Completed Challenges and Availability of […]