The VA Renovation Loan is a specialized mortgage option that allows eligible veterans and active-duty military members to finance both the purchase (or refinance) of a home and the cost of repairs or improvements—all in one convenient loan. Unlike standard VA loans, only select VA-approved lenders are authorized to offer VA Renovation Loans, making it critical to work with an experienced loan expert who understands the program's unique guidelines, property requirements, and renovation standards. Choosing the right professional can help you take full advantage of your VA benefits while simplifying the renovation loan process from start to finish.