Your Trusted Partner for VA Loan Home Projects
At Florida Legacy Construction, we proudly serve veterans, active-duty service members, and their families throughout Central Florida. If you’re purchasing or improving your home using a VA loan, our team is experienced in meeting VA standards for construction, appraisals, and inspections. We’ll work directly with your lender to make sure everything goes smoothly.
As a fully licensed and Florida Certified Building Contractor based in Marion County, we understand the unique requirements that come with VA-backed financing. From meticulous documentation to meeting specific construction standards, we have the expertise to navigate the VA loan process with you every step of the way.
Why Choose Florida Legacy Construction for Your VA Loan Project?
Veterans and military families deserve contractors who understand both the construction process and the VA financing requirements. Here’s what sets us apart:
VA Loan Expertise
We’ve successfully completed numerous projects involving VA loans and understand the specific appraisal requirements, minimum property requirements (MPRs), and documentation standards that VA lenders require. Our team stays current with VA guidelines to ensure your project meets all necessary criteria for loan approval.
Direct Lender Communication
We work directly with your VA-approved lender, providing timely documentation, detailed project plans, and transparent cost breakdowns. This collaborative approach helps prevent delays and ensures your loan process moves forward smoothly.
Transparent Pricing & Documentation
VA loans require detailed cost estimates and project specifications. We provide comprehensive proposals that meet lender requirements while maintaining our commitment to transparent pricing with no hidden fees or surprises.
Quality Craftsmanship That Meets VA Standards
Our expert craftsmen deliver work that not only meets but exceeds VA minimum property requirements. We take pride in creating homes that will pass VA inspections with flying colors while providing lasting value for your family.
VA Loan Services We Provide
Kitchen and Bath Remodeling with VA Loans
Many veterans use VA renovation loans to update outdated kitchens and bathrooms in their new homes. Our kitchen remodeling and bathroom remodeling services are perfectly suited for VA loan projects. We handle everything from custom cabinetry and countertops to plumbing and electrical upgrades, ensuring every detail meets VA appraisal standards.
Whether you’re looking to modernize your space with contemporary fixtures or need to address functional issues that affect your home’s VA appraisal value, we’ll create a beautiful, code-compliant result that enhances your home’s value and livability.
New Home Construction with VA Loans
Building your dream home with a VA construction loan? Our new residential construction services cover every phase of the building process. From site preparation and foundation work to framing, roofing, and all interior and exterior finishes, we coordinate with your VA lender and their appraiser throughout construction.
We provide the detailed draw schedules, progress inspections, and documentation that VA construction loans require. Our experience with architects, engineers, and local building departments ensures your custom home meets both VA standards and your personal vision.
Home Additions and Expansions
Growing families often need more space. If you’re using a VA renovation loan to add square footage to your home, we can help with additions, room expansions, and structural modifications. We’ll ensure all work meets building codes and VA requirements while seamlessly integrating with your existing home.
Essential Repairs and Improvements
VA appraisals sometimes identify necessary repairs that must be completed before loan approval. From roof repairs and HVAC replacements to addressing foundation issues or upgrading electrical systems, we can handle these requirements efficiently. Our team understands the urgency of completing VA-mandated repairs to keep your home purchase or refinance on track.
Understanding VA Loan Requirements for Construction
VA Minimum Property Requirements (MPRs)
The VA has specific standards that homes must meet to qualify for financing. These minimum property requirements ensure the home is safe, sanitary, and structurally sound. Common MPR issues we help address include:
- Roof conditions and remaining useful life
- Functional heating and cooling systems
- Safe and accessible entry and exit points
- Proper electrical and plumbing systems
- Adequate water supply and sewage disposal
- Freedom from wood-destroying insects and organisms
- Chipping, peeling, or damaged paint in homes built before 1978
- Safe and functional appliances included with the home
Our team is well-versed in these requirements and can quickly identify and address any issues that might delay your VA loan approval.
VA Appraisal Process
Every VA loan requires an appraisal by a VA-approved appraiser who will assess the property’s value and ensure it meets MPRs. When we work on your home, we keep these appraisal standards in mind, ensuring all work will support a positive appraisal outcome. We can also provide documentation and answer appraiser questions about completed or planned work.
Types of VA Loans We Work With
We have experience with various VA loan programs, including:
- VA Purchase Loans – Buying a home with no down payment
- VA Renovation Loans (VA Rehab Loans) – Purchasing and renovating a home with a single loan
- VA Construction Loans – Building a new home from the ground up
- VA Cash-Out Refinance – Refinancing to fund home improvements
- Interest Rate Reduction Refinance Loan (IRRRL) – When combined with other financing for improvements
Serving Veterans Throughout Central Florida
Based in Marion County, Florida Legacy Construction proudly serves veterans and military families throughout Central Florida. Whether you’re in Ocala, Belleview, Dunnellon, or surrounding communities, we’re your local experts for VA loan construction projects.
As a locally owned company, we’re personally invested in our community and take pride in helping those who’ve served our country achieve their homeownership dreams. We aren’t just building projects; we’re building a legacy of quality and creating lasting relationships with the families we serve.
Common Questions About VA Loan Construction Projects
Can I use a VA loan for a major kitchen or bathroom remodel?
Yes! VA renovation loans allow you to purchase a home and finance renovation costs in a single loan. This is perfect for veterans who want to buy a home that needs updating. Our kitchen and bath remodeling expertise ensures your renovation adds value and meets all VA requirements.
How long does a VA loan construction project take?
Timelines vary based on project scope. Simple repairs might take a few weeks, while major remodels can take several months. New construction typically requires six to twelve months from groundbreaking to completion. We’ll provide a detailed timeline during your consultation and keep you informed of progress throughout the project.
Do you work with specific VA lenders?
We work with all VA-approved lenders. Our experience spans numerous lending institutions, so we can adapt to your specific lender’s requirements and processes. What matters most is that your lender is VA-approved and comfortable with the type of project you’re planning.
What if the VA appraisal identifies required repairs?
This is common and nothing to worry about. When a VA appraiser identifies issues that must be addressed, we can provide quick estimates for the required work and complete repairs efficiently. We understand these repairs are time-sensitive and prioritize getting them done so your loan can proceed.
Are you licensed and insured?
Absolutely. Florida Legacy Construction is a fully licensed Florida Certified Building Contractor, and we carry comprehensive insurance. This licensing and insurance is often a requirement for VA loan approval, and it protects both you and your investment.
Ready to Start Your VA Loan Project?
Whether you’re purchasing your first home, building your dream house, or transforming your current space with a major renovation, Florida Legacy Construction has the expertise to make your VA loan project a success.
Our commitment to meticulous craftsmanship, transparent communication, and unwavering dedication to client satisfaction means you can trust us with one of life’s most important investments. We’re honored to serve those who’ve served our country, and we’re ready to help you create the home you and your family deserve.
Contact Florida Legacy Construction today to discuss your VA loan project. Let’s work together to turn your vision into reality while navigating the VA loan process smoothly and professionally.
Fully licensed, locally trusted, and veteran-focused.
