VA Loan Product
VA Renovation Loan
Buy a fixer or upgrade the home you have — with one loan.
Quick answer
A VA renovation loan finances a purchase or refinance plus repairs or improvements in one VA loan. Lender availability, eligible repairs, contractor rules, and limits vary. This page explains the program; ask whether it is available for your property before relying on it.
Educational program overview. Whether Bolt Home Loans LLC can offer this loan to you depends on your state, eligibility, property, and underwriting approval. No rates or terms are quoted here.
The VA renovation loan (also called the VA rehab loan) folds cosmetic and non-structural repairs into your mortgage so you can close on a home that needs work — and pay for it at your mortgage rate, not a credit-card rate.
What you get
- Finance repairs into your purchase or refi
- Repair limits and eligible work are set by the lender
- Same $0-down, no-PMI benefits
- One appraisal, one closing
How it works
- 1Start a prequalification inquiry.No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
- 2Get your COE.We pull it for you in most cases through the VA's system.
- 3Close with a dedicated loan officer.Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.