You earned these benefits. Most people never hear about them.
Between Ocala, The Villages, and the surrounding communities, we work with veteran homeowners constantly, and most have never been told that VA programs exist for home modifications and renovations, especially accessibility work.
We are a construction company, not a lender or a VA benefits counselor, so this page stays general on purpose. But we can tell you what programs to ask about, and when you are ready to build, we handle the construction side as a licensed contractor comfortable working within grant and loan requirements.
Planning to build or remodel with your benefit? Start with our full guide: VA approved builders in Ocala and how VA construction and renovation loans actually work.
Four VA paths that can fund home projects
VA renovation loans
Some VA lenders offer renovation or rehab loans that roll home improvement costs into a VA-backed mortgage or refinance. Availability varies by lender, so ask specifically for a VA renovation loan.
VA cash-out refinance
Veterans with equity can refinance through the VA and take cash out to fund a remodel, often at rates better than personal loans. Any VA lender can walk you through it.
SAH and SHA grants
Specially Adapted Housing and Special Housing Adaptation grants help veterans with qualifying service-connected disabilities pay for accessibility modifications like ramps, wider doors, and adapted bathrooms.
HISA grants
The Home Improvements and Structural Alterations grant helps eligible veterans fund medically necessary home improvements. It is smaller than SAH or SHA but easier to qualify for, and it can fund real bathroom safety work.
Florida and county programs
Beyond the VA, programs like My Safe Florida Home and county assistance programs sometimes stack with veteran benefits for repairs and hardening work. Worth asking about while you are researching.
Everyone else: Acorn Finance
If VA programs are not the right fit, our regular financing option is open to everyone. Compare offers from multiple lenders with no credit score impact to pre-qualify, on our financing page.
The honest fine print
We are not a lender, and eligibility, amounts, and terms for every program above are determined by the VA and participating lenders, not by us. Start with the VA directly at va.gov/housing-assistance or call your VA regional office to confirm what you qualify for.
What we can promise is the construction side: when your funding is in place, license CBC1268994 builds the project right, with the documentation grant programs and lenders require.