FHA 203k & Renovation Loans in Gloucester County, NJ

Jeff Onofrio helps Gloucester County buyers across Washington Township, Deptford and Glassboro purchase and renovate with a single loan — ideal for the county's many solid, updatable homes.

Free Gloucester County Consultation → 📞 856-446-8484

2026 FHA Loan Limits — Gloucester County, NJ

FHA 203k (1-unit)$630,200

FHA 203k (2-unit)$806,750

FHA 203k (3-unit)$975,200

FHA 203k (4-unit)$1,211,950

HomeStyle / CHOICERenovationUp to 75% ARV

VA Renovation (veterans)No county limit

Gloucester County sits in the Philadelphia–Camden MSA FHA tier — above the state floor. Figures are 2026 HUD limits and update annually — contact Jeff at 856-446-8484 for the exact figure on your purchase.

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

Gloucester County offers some of the best value in South Jersey, with established neighborhoods in Washington Township and Deptford and a growing market around Rowan University in Glassboro. It's a region full of mid-century homes that are structurally sound but ready for a modern kitchen, updated baths, or a finished basement.

A renovation loan lets Gloucester County buyers compete for these homes and make them their own without draining savings on repairs. Jeff brings two decades of renovation-lending expertise to every file, matching you with the right program and keeping the project moving from contract to closing to completion.

Renovation Loan Programs Available in Gloucester 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 Gloucester County.

FHA • Streamlined

FHA 203k Limited

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

Conventional

HomeStyle Renovation

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

Conventional

CHOICERenovation

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

VA • Veterans

VA Renovation Loan

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

Towns We Serve in Gloucester County, NJ

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

Glassboro
Sewell
Williamstown
Turnersville
Washington Township
Deptford
Mantua
Pitman
Woodbury
Monroe Township

How the Renovation Loan Process Works in Gloucester 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 Gloucester County.
Find a property: Work with your Realtor to identify Gloucester 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 Gloucester County Renovation Loan Consultation?

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

Get My Free Consultation → 📞 856-446-8484