FHA 203k & Renovation Loans in Plainfield, NJ

Jeff Onofrio helps Plainfield buyers finance the renovation of historic homes with a single loan and ceiling-level FHA limits.

Free Plainfield Consultation → 📞 856-446-8484

⭐ North Jersey Advantage — Higher FHA Loan Limits in Union County

Union County buyers benefit from New Jersey's highest FHA loan limits — giving you more purchasing power for renovation projects. Conventional HomeStyle and CHOICERenovation loans are also excellent options here to avoid FHA mortgage insurance.

2026 FHA Loan Limits — Union County, NJ

FHA 203k (1-unit)$1,249,125

FHA 203k (2-unit)$1,599,375

FHA 203k (3-unit)$1,933,200

FHA 203k (4-unit)$2,402,625

HomeStyle / CHOICERenovationUp to 75% ARV

VA Renovation (veterans)No county limit

Renovation Loans in Plainfield, NJ — What You Need to Know

Plainfield is a Union County city renowned for its grand Victorian and historic homes, many ready for thoughtful renovation. Ceiling-level FHA limits give buyers the budget to restore these character properties.

Jeff has the expertise to handle historic-home renovations, matching each Plainfield property with the right program and managing the project from contract to completion.

Renovation Loan Programs Available in Plainfield

FHA • Gov't Backed

FHA 203k Full

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

FHA • Streamlined

FHA 203k Limited

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

Conventional

HomeStyle Renovation

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

Conventional

CHOICERenovation

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

VA • Veterans

VA Renovation Loan

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

How the Renovation Loan Process Works in Plainfield

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

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

Get My Free Consultation → 📞 856-446-8484