Your VA loan benefit goes far beyond basic home purchases. Two powerful programs—VA Renovation Loans and VA One-Time Close Construction Loans—let you improve existing homes or build custom ones with zero money down.

The VA Renovation Loan finances up to $75,000+ in home improvements into your mortgage, perfect for updating kitchens, bathrooms, or major systems without draining savings. The VA One-Time Close Construction Loan lets you build your dream home from scratch with loan amounts up to $2 million—all with one closing and no down payment.

Both programs are exclusive to qualifying Veterans and active-duty service members, offering competitive rates without monthly mortgage insurance. Whether you want to renovate a fixer-upper in your ideal neighborhood or escape the competitive resale market by building new, these VA benefits make it possible.

Ready to unlock the full power of your VA loan benefits? Here's everything you need to know.