VA Renovation Loan in California
Buy It. Fix It. Finance It All — Backed by the CEO.
Many homes in California have the right bones but need some work. With a VA Renovation Loan, eligible veterans and service members can purchase or refinance a home and include the cost of repairs or improvements in one VA-backed mortgage.
At California Mortgage Direct, you’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network, who personally originates every VA Renovation Loan. No layers. No confusion. Just expert guidance from someone who knows how to structure even the most complex VA files.
✅ What Is a VA Renovation Loan?
A VA Renovation Loan allows eligible VA borrowers to:
- Buy a fixer-upper and finance repairs or updates in the same loan
- Refinance an existing property and roll renovation costs into the new VA mortgage
- Still take advantage of zero down payment, no PMI, and low VA rates
It’s a powerful tool for building equity, customizing your home, or unlocking properties that others overlook.
🧰 What Can VA Renovation Funds Be Used For?
- 🛁 Kitchen or bathroom remodels
- 🏡 Roof repair or replacement
- 🚪 Flooring, doors, and window upgrades
- 🔧 Plumbing or electrical work
- 🔥 HVAC or water heater replacement
- 🧱 Structural repairs
- 🔐 Accessibility or safety improvements
Luxury upgrades (like pools or outdoor kitchens) are not eligible. But almost all health, safety, and livability improvements are allowed.
💥 Key Benefits of the VA Renovation Loan
- ✅ 0% Down (on purchase or refinance)
- ✅ No monthly PMI
- ✅ Low VA interest rates
- ✅ Finance up to 100% of after-renovation value
- ✅ One closing, one payment, one streamlined process
- ✅ Backed by the VA — guided by the CEO
🏠 Ideal Scenarios for VA Renovation Loans
- Buying a fixer-upper in San Diego, Sacramento, or Inland Empire
- Improving an inherited or older property
- Making upgrades before moving in
- Rolling repairs into a VA cash-out refinance
- Creating ADA-accessible living for service-related disability
- Avoiding out-of-pocket renovation costs after closing
🧾 Do You Qualify?
To be eligible for a VA Renovation Loan in California, you must:
- Be a qualified Veteran, Active-Duty Service Member, or Surviving Spouse
- Have a valid Certificate of Eligibility (COE)
- Meet basic credit and income requirements
- Use the home as your primary residence
- Work with a licensed contractor (Joseph will coordinate the contractor approval process)
🧑✈️ Why Work with California Mortgage Direct?
| Feature | What You Get |
|---|---|
| 👨✈️ CEO-Led Lending | Joseph S. Restivo personally structures every VA renovation file |
| 🏗 Deep Experience with Complex VA Loans | Get help managing timelines, inspections, contractor approval |
| 📍 All 58 California Counties Served | We fund VA renovation loans statewide |
| ⚡ Efficient, Transparent Process | No surprises. No sales scripts. Just expert guidance. |
| 🔐 VA-Focused Lending Culture | We prioritize veterans, not volume. |
💬 What Clients Are Saying
“We found the perfect home in our budget, but it needed work. Joseph helped us use a VA Renovation Loan to roll everything in. Now we have equity, and it’s exactly what we wanted.”
— David H., Navy Veteran, Sacramento
“The roof, the floors, the kitchen — all fixed before we moved in. We had zero down, and Joseph handled every step personally. That’s rare.”
— Yvette R., Army Spouse, Riverside County
🔨 Ready to Renovate with Confidence?
If you’ve served, you deserve to own a home that’s safe, functional, and truly yours.
Let’s make that happen — together.