FHA 203k & Renovation Loans in Gloucester Township, NJ

Jeff Onofrio helps Gloucester Township buyers in Blackwood, Sicklerville and beyond finance renovations with one loan.

Free Gloucester Township Consultation → 📞 856-446-8484

2026 FHA Loan Limits — Camden 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

Camden 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 Township, NJ — What You Need to Know

Gloucester Township is one of Camden County's largest municipalities, covering Blackwood, Sicklerville, Erial and Glendora. Its mix of suburban neighborhoods offers plenty of homes ripe for renovation — from cosmetic refreshes to bigger updates.

Jeff helps Gloucester Township buyers finance the purchase and the rehab together, matching the property to the right program. He answers every call himself and manages the renovation from contract to completion.

Renovation Loan Programs Available in Gloucester Township

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 Township.

FHA • Streamlined

FHA 203k Limited

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

Conventional

HomeStyle Renovation

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

Conventional

CHOICERenovation

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

VA • Veterans

VA Renovation Loan

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

How the Renovation Loan Process Works in Gloucester Township

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 Township.
Find a property: Work with your Realtor to identify Gloucester Township 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 Township Renovation Loan Consultation?

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

Get My Free Consultation → 📞 856-446-8484