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Understanding How VA Renovation Loans Work for Veterans

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Many veterans own homes that need updates, from fixing a leaky roof to adding a wheelchair ramp. A VA renovation loan, part of the VA cash-out refinance or a specialized purchase loan, wraps these repair costs into one mortgage so you're not scrambling for separate financing. The key is using a VA-approved lender who understands the program's rules—like which contractors are acceptable and how the appraisal captures the home's future value after repairs. It's a practical way to make your house…

Your VA Loan Certificate of Eligibility: What It Is and How to Get One

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Your VA Loan Certificate of Eligibility is an official document proving you qualify for a VA-backed home loan. It's based on your service history and can be requested online through the VA eBenefits portal or by mail using VA Form 26-1880. Your lender might also pull it for you, so check with them before applying.