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VA Renovation Loan | Finance Repairs with 0% Down in Maryland

VA Renovation Loan | Buy and Repair with No Down Payment in Maryland

The VA Renovation Loan helps eligible Veterans and service members purchase or refinance a home and roll in up to $50,000 in repairs — all with the powerful benefits of a VA loan.

Whether you're buying a property that needs cosmetic updates or want to refinance and make improvements, this loan lets you finance it all in one transaction with 0% down, no monthly mortgage insurance, and flexible VA guidelines.

What Can a VA Renovation Loan Be Used For?

Eligible renovation expenses include:

  • HVAC, plumbing, and electrical repairs

  • Roofing, siding, gutters, and exterior improvements

  • Kitchen or bathroom updates

  • Mold remediation and safety hazard removal

  • Walkways, patios, decks, and fencing

  • Lead paint and smoke detector compliance

  • Cosmetic updates like flooring, paint, and fixtures

Ineligible Repairs

  • Structural modifications or foundation work

  • Landscaping or luxury features (e.g., pools, hot tubs)

  • Septic, well, or private waste systems

  • Repairs taking more than 90 days to complete

  • DIY work — no self-help or sweat equity allowed

Key Features

  • Up to $50,000 in renovation funds allowed

  • 0% down payment on purchase

  • Up to 90% LTV on cash-out refinance

  • No monthly PMI

  • 15- and 30-year fixed terms available

  • Primary residence only — 1-unit properties

  • Work must be completed by a VA-approved contractor

  • Final inspection required by a VA appraiser

It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.

Who Qualifies?

You may be eligible if you are:

  • A Veteran, active-duty service member, or eligible surviving spouse

  • Buying or refinancing a primary residence

  • Working with a VA-registered contractor

  • Meeting minimum credit (620+) and VA income standards

  • Able to complete renovations within 75 days of closing

We’ll help confirm your eligibility, walk you through the renovation approval process, and connect you with experienced lenders and contractors.

Related VA Loan Options

Ready to Renovate with Your VA Loan?

We’ll guide you through contractor approval, renovation budgeting, and the entire loan process — from application to final inspection.

Start your application or request a free consultation below.

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Get a personalized and successful home loan approval experience

See how much you qualify for in 60 seconds or less.

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