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Jeff Onofrio
Meet Your 203K Lender for
VIRGINIA
Jeff Onofrio
(888) 203-0899
Director of Renovation Lending
NMLS #38670
HMA MORTGAGE
Company NMLS #139164
Hi I’m Jeff, an FHA Loan & 203K Renovation Specialist! I Want to Hear From You! Let's Talk About Your Purchase or Refinance.
Let's talk about, How to Qualify, 203k Loan Requirements, & Other Questions you may have. Your Situation is Unique which is Why it’s Best for Me to give you the Answers you are looking for personally. Call or e-mail Me, whichever way works best for YOU.
Looking for an FHA Loan? Why not make it an FHA 203K?
FHA 203K Renovation & Home Improvement Financing for Purchasing or Refinancing Your Home
Creating The Home You Love STARTS HERE!
For Purchase
Avoid Common Financing Roadblocks
Avoid getting your financing denied due to property conditions. Avoid any upfront property repair requirements
For Refinance
Improvements are Made After Closing
Improve your home Size
Improve your home Comfort
Improve your home Value
All In One Loan!
Finance Plus Improvements!
Combine your home improvement funds with your purchase or refinance loan to Renovate, Repair, Rehab, or Remodel your property all at the same time.
What Properties are 203K Eligible in Virginia?
203K Eligible properties include Single Family, 2 to 4 units, Condos, Townhomes, and even mixed use.
Types of FHA 203K Eligible Sales
Regular Standard Listing, Foreclosure, HUD Repos, REO, For sale by Owner, as well as other sales, plus it can be used to refinance.
A Home Owners Guide to the FHA 203K Loan
Get The 203k Loan Info You Need!
FREE DOWNLOAD!
FHA 203K Questions You May Have
Ready to unravel the FHA 203K loan? Let's start by covering the basics first. For more tailored, in-depth answers specific to your situation, feel free to reach out for all the detailed information you need.
What is an FHA 203k Loan?
An FHA 203k loan is a Federally Insured Loan designed to help home buyers purchase a property that needs renovation or refinance an existing home with the goal of making repairs and improvements. It's the financing tool for your home transformation!
How to Qualify for an FHA 203k Loan in Virginia
Qualifying for a 203k loan is easy, whether you’re Buying or Refinancing. This type of home improvement loan is just like any other type of home loan except you’ll also get the additional funds needed for all your Repairs, Renovations or Rehab.
Who is Eligible to Qualify for a 203k Loan?
Whether you’re a First-Time Homebuyer, previously Owned a home or currently a Homeowner, you are eligible to qualify for a 203k Loan as long as you plan to occupy the property.
Who is a 203k Loan For?
The FHA 203K Loan is a great option for those looking to add home improvement funds to their purchase or refinance loan, with the advantage of a minimal down payment or equity.
Why a 203k Loan?
This All-in-One Loan allows a broader scope of properties for you to choose from. You can pick up a fixer upper or an outdated property and fix it up the way you want. With other types of financing, property conditions could cause a dilemma requiring these issues to be resolved before closing your loan. That can slow down or stop your transaction from closing. With the 203k you will avoid those property condition hurdles
How Does an FHA 203K Work?
Unlike other loans, the 203K Loan approval is based on the FUTURE Value of the home (after improvements), rather than the current value. This unique feature allows home buyers to finance improvements with a minimal down payment and for current property owners, allows to refinance with minimum equity as well.
Once the loan closes the home improvements begin. Funds are disbursed as scheduled and the end results is a property that you envisioned and love!
How To Start Your 203K Loan?
To get started, you'll need to contact your 203K Specialist and provide them with preliminary info about yourself, your property, and the renovations you’d like to accomplish.
Get quick Answers to your FHA 203K Loan Questions!
"Contact me now, to accomplish your goals and plans. I look forward to hearing from you!"
Jeff Onofrio
(888) 203-0899
Jeff Onofrio is an FHA 203k Lender helping homebuyers, homeowners and real estate agents with their Renovation Loan financing throughout the Virginia cities below:
Abingdon
Accomac
Accomack
Albemarle
Alberta
Alexandria
Alleghany
Altavista
Amelia
Amherst
Appalachia
Appomattox
Arlington
Ashland
Augusta
Bath
Bedford
Belle Haven
Berryville
Big Stone Gap
Blacksburg
Blackstone
Bland
Bloxom
Bluefield
Boones Mill
Botetourt
Bowling Green
Boyce
Boydton
Boykins
Branchville
Bridgewater
Bristol
Broadway
Brodnax
Brookneal
Brunswick
Buchanan
Buckingham
Buena Vista
Burkeville
Campbell
Cape Charles
Capron
Caroline
Carroll
Cedar Bluff
Charles City
Charlotte
Charlotte Court House
Charlottesville
Chase City
Chatham
Cheriton
Chesapeake
Chesterfield
Chilhowie
Chincoteague
Christiansburg
Claremont
Clarke
Clarksville
Cleveland
Clifton
Clifton Forge
Clinchco
Clinchport
Clintwood
Coeburn
Colonial Beach
Colonial Heights
Courtland
Covington
Craig
Craigsville
Crewe
Culpeper
Cumberland
Damascus
Danville
Dayton
Dendron
Dickenson
Dillwyn
Dinwiddie
Drakes Branch
Dublin
Duffield
Dumfries
Dungannon
Eastville
Edinburg
Elkton
Emporia
Essex
Exmore
Fairfax
Falls Church
Farmville
Fauquier
Fincastle
Floyd
Fluvanna
Franklin
Frederick
Fredericksburg
Fries
Front Royal
Galax
Gate City
Giles
Glade Spring
Glasgow
Glen Lyn
Gloucester
Goochland
Gordonsville
Goshen
Grayson
Greene
Greensville
Gretna
Grottoes
Grundy
Halifax
Hallwood
Hamilton
Hampton
Hanover
Harrisonburg
Haymarket
Haysi
Henrico
Henry
Herndon
Highland
Hillsboro
Hillsville
Honaker
Hopewell
Hurt
Independence
Iron Gate
Irvington
Isle of Wight
Ivor
James City
Jarratt
Jonesville
Keller
Kenbridge
Keysville
Kilmarnock
King George
King William
King and Queen
La Crosse
Lancaster
Lawrenceville
Lebanon
Lee
Leesburg
Lexington
Loudoun
Louisa
Lovettsville
Lunenburg
Luray
Lynchburg
Madison
Manassas
Manassas Park
Marion
Martinsville
Mathews
McKenney
Mecklenburg
Melfa
Middle
Middleburg
Middlesex
Mineral
Monterey
Montgomery
Montross
Mount Crawford
Mount Jackson
Narrows
Nassawadox
Nelson
New Castle
New Kent
New Market
Newport News
Newsoms
Nickelsville
Norfolk
Northampton
Northumberland
Norton
Nottoway
Occoquan
Onancock
Onley
Orange
Page
Painter
Pamplin City
Parksley
Patrick
Pearisburg
Pembroke
Pennington Gap
Petersburg
Phenix
Pittsylvania
Pocahontas
Poquoson
Port Royal
Portsmouth
Pound
Powhatan
Prince Edward
Prince George
Prince William
Pulaski
Purcellville
Quantico
Radford
Rappahannock
Remington
Rich Creek
Richlands
Richmond
Ridgeway
Roanoke
Rockbridge
Rockingham
Rocky Mount
Round Hill
Rural Retreat
Russell
Salem
Saltville
Saxis
Scott
Scottsburg
Scottsville
Shenandoah
Smithfield
Smyth
South Boston
South Hill
Southampton
Spotsylvania
St. Paul
Stafford
Stanardsville
Stanley
Staunton
Stephens City
Stony Creek
Strasburg
Stuart
Suffolk
Surry
Sussex
Tangier
Tappahannock
Tazewell
The Plains
Timberville
Toms Brook
Troutdale
Troutville
Urbanna
Victoria
Vienna
Vinton
Virgilina
Virginia Beach
Wachapreague
Wakefield
Warren
Warrenton
Warsaw
Washington
Waverly
Waynesboro
Weber City
West Point
Westmoreland
White Stone
Williamsburg
Winchester
Windsor
Wise
Woodstock
Wythe
Wytheville
York