FHA 203k & Renovation Loans in Cape May County, NJ

Jeff Onofrio helps Cape May County buyers finance shore-home renovations — from Ocean City to the Wildwoods — combining purchase and rehab in a single loan.

Free Cape May County Consultation → 📞 856-446-8484

2026 FHA Loan Limits — Cape May County, NJ

FHA 203k (1-unit)$730,250

FHA 203k (2-unit)$934,850

FHA 203k (3-unit)$1,130,000

FHA 203k (4-unit)$1,404,350

HomeStyle / CHOICERenovationUp to 75% ARV

VA Renovation (veterans)No county limit

Cape May County is in the Atlantic City MSA FHA tier, set higher to reflect shore-market prices. Figures are 2026 HUD limits and update annually — contact Jeff at 856-446-8484 for the exact figure on your purchase.

Renovation Loans in Cape May County, NJ — What You Need to Know

Cape May County is New Jersey's premier shore market, from the Victorian streets of Cape May to the family beaches of Ocean City, Wildwood, Stone Harbor and Avalon. Its higher FHA loan limits reflect those coastal values, and renovation loans are a smart way to buy an older shore property and bring it up to date.

Jeff has the expertise to handle the particulars of shore-area renovation — from weatherization to full modernization — with FHA 203k and conventional programs. He guides every buyer personally, so you always know exactly where your project stands.

Renovation Loan Programs Available in Cape May County

FHA • Gov't Backed

FHA 203k Full

Major renovations, structural work, gut rehabs. 3.5% down. Perfect for foreclosures and serious fixer-uppers in Cape May County.

FHA • Streamlined

FHA 203k Limited

Up to $75,000 in non-structural updates. Kitchens, baths, HVAC, roofing. Faster Cape May County closings, no HUD consultant required.

Conventional

HomeStyle Renovation

Fannie Mae conventional renovation loan. No FHA mortgage insurance for qualifying Cape May County buyers. Works for investment properties too.

Conventional

CHOICERenovation

Freddie Mac's flexible renovation program. Great for Cape May County buyers who want conventional financing with renovation built in.

VA • Veterans

VA Renovation Loan

Zero down renovation financing for eligible Cape May County veterans. Buy and renovate with no down payment required.

Towns We Serve in Cape May County, NJ

Jeff finances renovation loans in every Cape May County community. Explore a few of the local markets below — or call for any town not listed.

Cape May
Ocean City
Wildwood
Stone Harbor
Avalon
Middle Township

How the Renovation Loan Process Works in Cape May County

A renovation loan has a few more steps than a standard mortgage — but with an experienced specialist like Jeff guiding the transaction, every stage is managed smoothly:

Pre-qualification: Get your total budget — purchase price plus renovation — confirmed before you start shopping in Cape May County.
Find a property: Work with your Realtor to identify Cape May County properties with renovation potential. Fixer-uppers in great locations are often the best opportunity.
Contractor bids: Licensed NJ contractors scope the renovation and provide written estimates for the loan file.
Appraisal: The property is appraised on its after-renovation value — what it will be worth once improvements are complete.
Close and renovate: Funds go into escrow at closing. Contractors are paid in draws as work is completed. You move in when renovations are done.

Ready for a Free Cape May County Renovation Loan Consultation?

Jeff answers every call personally. No call centers, no runaround — just honest answers about your Cape May County renovation loan options.

Get My Free Consultation → 📞 856-446-8484