One of the Only NC Lenders Offering This

BUY IT.
FIX IT.
$0 DOWN.

The VA Renovation Loan combines your purchase and renovation into one loan at 100% financing. No down payment. No separate construction loan. One close.

100%
LTV Purchase
+ Renovation
$0
Down
Payment
$0
Program
Fees Added
35%
Max Reno of
As-Completed Value
Check My Eligibility See the AI Tool ↓
Free · No Obligation
See if you qualify in 60 seconds
Your information is never shared or sold. NMLS #46264 · Equal Housing Lender
✦
You're on the list.
Jeff will call you within one business day to walk through your VA Renovation options. No pressure — just answers.
⚔ Fort LibertyFayetteville NC
⚓ Camp LejeuneJacksonville NC
✈ Seymour Johnson AFBGoldsboro NC
🛡 MCAS Cherry PointHavelock NC
⚓ Coast Guard SectorWilmington NC
★ VA Reno Loan100% Financing · $0 Down
⚔ Fort LibertyFayetteville NC
⚓ Camp LejeuneJacksonville NC
✈ Seymour Johnson AFBGoldsboro NC
🛡 MCAS Cherry PointHavelock NC
⚓ Coast Guard SectorWilmington NC
★ VA Reno Loan100% Financing · $0 Down
The Problem We Solve

Most veterans don't know
this loan exists.

01
One Loan. One Close.
No separate construction loan. No bridging. No second closing. The purchase price and renovation cost are combined into one VA-backed mortgage from day one.
02
Zero Down. Literally.
Your VA entitlement covers 100% of the as-completed value — purchase AND renovation included. No down payment required. Most veterans have never been told this is possible.
03
More Homes. Better Deals.
Fixer-uppers are priced 15–30% below move-in ready homes. You can afford more home by buying a property that needs work and financing the renovation in — at zero down.
04
Structural Work Allowed.
Full structural remodels, HVAC, plumbing, room additions, attached garages. No arbitrary caps on renovation scope — up to 35% of as-completed appraised value.
05
$0 Extra Program Fees.
Every other renovation loan charges $525–$900 in admin fees on top of closing costs. VA Renovation adds zero. That's money back in your pocket at the table.
06
180 Days to Complete.
Six months from closing to complete the renovation with up to 3 licensed contractors. Draws paid as work is completed. No rushing, no penalties for realistic timelines.
Program Details

The numbers
that matter.

★ Max LTV Purchase
100%
Purchase + Renovation Combined · No Down Payment
Max LTV Refinance
90%
Renovation Refinance · Equity Not Required
Min FICO Score
640
Purchase · 700 for High-Balance Refi
Max Renovation
35%
Of As-Completed Appraised Value · Incl. Contingency
Program Fees
$0
No Admin Fee · No Inspection Surcharge Added
Completion Window
180
Days From Close · Reasonable Contractor Timeline
Max Contractors
3
Licensed · Registered with PrimeLending Reno Dept
Loan Limit
VA
VA Conforming Loan Limits Apply · No County Caps for Eligible Vets
Feature ★ VA Renovation FHA 203k Full HomeStyle Conv.
Down Payment $0 (100% LTV) 3.5% 5%+
Program Fees $0 $525 $900
Mortgage Insurance ✓ None ✗ Required Possible
Structural Repairs ✓ Allowed ✓ Allowed ✓ Allowed
Room Additions ✓ Allowed ✓ Allowed ✓ Allowed
Min FICO 640 620 620
Who Qualifies Veterans / Active Duty Anyone Anyone
AI Renovation Vision

See the
after now.

Upload any property photo. Choose a renovation type. Our AI describes exactly what this home looks like after the renovation — in MLS-quality detail. Upload a finished photo to unlock the drag comparison slider.

Before · Current State
Click to upload
current property photo
Before · Current State
After · Renovation Vision
Upload finished photo
or use AI to generate
After · Renovated
Before
After
Before
After · Renovated
Upload a before photo, then generate the AI renovation vision.
Who Qualifies

Built for those
who served.

  • Active Duty Service Members — all branches, any duty station
  • Veterans — honorably discharged, any length of service
  • National Guard & Reserve — with qualifying service history
  • Surviving Spouses — of veterans who died in service or from service-connected disability
  • Minimum 640 FICO — no income limits, no maximum DTI with AUS approval
  • Primary Residence — 1–4 unit properties, must be owner-occupied
  • VA Entitlement Required — certificate of eligibility needed, we can pull this for you
  • Available in All 50 States — licensed nationwide, NC is our home base
★ ★ ★ VA RENOVATION 100% FINANCING PRIMELENDING · NMLS #13649
How It Works

Four steps
to your renovated home.

01
Check Eligibility
Fill out the form above. Jeff reviews your VA entitlement, FICO, and purchase goals. Takes one call.
02
Find Your Property
Work with your Realtor to identify a fixer-upper. We'll run the numbers on purchase price + estimated renovation before you make an offer.
03
One Close
We combine your purchase and renovation into one VA loan. One appraisal at as-completed value. One set of closing costs. You're in.
04
Renovate & Move In
Your contractors are paid in draws as work is completed. 180 days to finish. You move in to a home renovated exactly how you want it.
Your Lender

20 years.
One specialty.

Jeff Gay has been originating renovation loans for over 20 years out of Raleigh, NC. While most lenders avoid the complexity of renovation financing, Jeff built his entire practice around it — and specifically around products that give buyers an unfair advantage.

The VA Renovation Loan is the most powerful product in the market for eligible borrowers. Almost nobody is marketing it. Most veterans close on standard VA loans and never know they could have bought a fixer-upper, renovated it exactly how they wanted, and paid zero down on the entire thing.

Jeff is licensed in all 50 states and leads a team at PrimeLending's Raleigh office, one of the only branches in North Carolina actively originating VA Renovation loans. If you're near Fort Liberty, Camp Lejeune, Seymour Johnson, or anywhere in NC — this call is worth your time.

Jeff Gay
Branch Manager · Renovation Specialist · NMLS #46264
20+
Years Originating
Renovation Loans
50
States
Licensed
96%
Customer
Satisfaction
#6
USA Today Top
Workplace
📞 919.606.2560 ✉ jeff.gay@PrimeLending.com 🌐 jeffgay.com 📍 4509 Creedmoor Rd Suite 201 · Raleigh NC 27612
Limited Availability · NC Military Communities

Your VA benefit
does more
than you think.

One phone call could unlock 100% financing on a home you renovate exactly how you want. No down payment. No tricks.

Check My Eligibility Now Call Jeff: 919.606.2560