Remodeling built for veterans. Approved by the VA.
The VA requires a licensed contractor with a VA Builder ID before your grant or renovation-loan funds release. We hold it. Serving Tampa and St. Petersburg.
- VA SAH / SHA grants & VA loans
- ADA bathrooms, kitchens, ADUs & full renovations
- FL Licensed CBC1269114 · 200+ five-star reviews
VA grants & loans, in plain language
If you qualify, these programs can pay for the work. The VA decides your eligibility — we handle the construction the right way, the first time.
Specially Adapted Housing
Build, buy, or fully adapt a home for severe service-connected disabilities. Usable up to six times. No repayment.
Special Housing Adaptation
Targeted accessibility upgrades — roll-in showers, widened doorways, accessible kitchens. No repayment.
Temporary Residence Adaptation
Adapt a home you’re living in temporarily — such as a family member’s house. (Up to $9,100 on the SHA track.)
Build new, from the slab up
Construction-to-permanent financing for a barrier-free custom home — or an ADU — designed around how you live.
Fund a big remodel from your equity
Replace your mortgage with a larger VA loan and take the difference as cash for renovations — no PMI. Strong for $50K–$150K+ projects.
Buy a home and fix it in one loan
Fund the purchase and the upgrades together, no down payment. Requires a VA Builder ID contractor — that’s us.
Grant figures are FY2026 maximums and adjust every October 1. SAH and SHA are initiated with VA Form 26-4555. Craftline does not determine VA eligibility — the VA does. We help you understand your options and we build the project.
Which VA loan funds your project?
Different VA programs cover different work. Eligibility depends on your Certificate of Eligibility and your lender — here’s the quick reference.
| VA Loan Type | What it covers | Best for |
|---|---|---|
| VA Renovation Loan | Buy a home and finance repairs or upgrades in one loan, no down payment. | Buying a home that needs work to meet VA standards or your own. |
| VA Construction Loan | Build a new home or ADU from the ground up; funds released in draws. | Veterans building on land they own or are buying. Requires a VA Builder ID contractor. |
| VA Cash-Out Refinance | Replace your mortgage with a larger VA loan and take equity as cash. | Veterans who own their home and want to fund a larger remodel. |
| VA Purchase Loan | Buy a primary residence with no down payment and no PMI. | Homes that already meet VA standards as-is. |
| IRRRL (Streamline) | Lower the rate on an existing VA loan. Not a construction tool on its own. | Rate reduction only. |
We hold the VA Builder ID the VA requires for its construction and builder programs, plus full Florida licensing (CBC1269114) — so we meet your lender’s requirements on any of these.
Accessible work, built to VA standard
Every project meets VA property requirements and passes inspection — from a single barrier-free bathroom to a full ground-up home.
ADA & Accessible Bathrooms
Curbless roll-in showers, grab bars, comfort-height fixtures, zero-threshold entries, and turning clearance for wheelchairs.
Accessible Kitchens
Lowered counters, roll-under sinks and cooktops, reachable storage, and wider clearances for easy movement.
Full Home Renovations
Whole-home accessibility and modernization — one coordinated project, one accountable builder.
Ground-Up Construction
Barrier-free custom homes built to your needs from the foundation up, under VA construction financing.
ADU & In-Law Suite Construction
Accessory dwelling units and attached in-law suites — a private, accessible space for a veteran, a caregiver, or aging family. Funded through VA construction financing or a cash-out refinance.
Failed a VA appraisal? We fix MPRs fast.
When a VA appraiser flags Minimum Property Requirements, those repairs must be completed before the loan can close — or you risk losing your rate lock. We prioritize MPR work across Tampa Bay.
MPR repairs are time-sensitive.
Delays can cost you your rate lock or contract deadline. Call before you lose your window.
How your VA project flows
Confirm your benefit
Get your Certificate of Eligibility for a loan, or file Form 26-4555 for an SAH/SHA grant. We help you find the right fit.
Free on-site estimate
We provide the written scope of work and itemized cost breakdown your lender or the VA requires.
Lender & VA approval
We supply license, insurance, and VA Builder ID documentation so your file clears review.
VA appraisal
For renovations, the appraiser values the home based on the work once it’s complete.
Closing & draws
The loan closes and funds release in inspected draws tied to project milestones.
We build & final inspection
Licensed, VA-standard construction — completed and inspected, on a clear timeline.
The documentation VA lenders require
VA renovation and construction loans need specific paperwork from your contractor. We prepare all of it — and work directly with your lender’s construction department.
| Document | What we provide |
|---|---|
| VA Builder ID #13798 | On file with the VA — required for its construction-loan and builder programs. Verifiable by your lender. |
| License verification | FL Certified Building Contractor CBC1269114, verifiable at myfloridalicense.com. |
| Written project scope | Itemized description of all work, materials, and specifications. Required by most lenders. |
| Itemized cost estimate | Line-by-line labor and materials for appraisal and loan approval. |
| Draw schedule | Milestone-based payment schedule tied to inspectable stages of the build. |
| Certificate of insurance | General liability and workers’ compensation, available on request. |
| Permit documentation | County building permits — required for final draw release. |
Proof, not promises
Real documentation from real projects. Ask to see it on your consultation.
VA remodeling questions, answered
Do I need a VA-approved contractor for a renovation loan?
Yes. The VA requires a licensed contractor with a VA Builder ID to perform the work — even veterans with a construction background generally cannot self-perform the renovation. Craftline holds that Builder ID, which is exactly what lets your loan or grant funds release.
How much is the VA SAH grant in 2026?
For fiscal year 2026, the Specially Adapted Housing (SAH) grant maximum is up to $126,526. It can be used up to six times over your lifetime within that cumulative cap, and it does not have to be repaid. The amount adjusts each October based on a construction-cost index.
What’s the difference between the SAH and SHA grants?
SAH (up to $126,526) is the larger grant, for severe service-connected disabilities — it covers major construction, home purchase, or extensive adaptation. SHA (up to $25,350) covers smaller, targeted accessibility modifications such as roll-in showers and widened doorways. The qualifying disabilities differ, and the VA determines which applies to you.
Can I use a VA renovation loan to remodel my kitchen or bathroom?
Yes, for non-structural upgrades that improve the home’s livability, safety, and value and meet VA property standards. The work is completed by a VA Builder ID contractor and must finish within 120 days of closing, with funds paid in draws as the project is inspected.
Does using a VA grant affect my VA home loan?
No. The SAH and SHA grants are separate from your VA loan entitlement. You can use a VA loan to buy a home and a VA grant to fund the adaptations — one does not reduce the other.
My VA appraisal flagged repairs (MPRs). Can you fix them before closing?
Yes. When an appraiser flags Minimum Property Requirements — roof, electrical, plumbing, lead paint, structural, or pest issues — they must be corrected before the loan closes. We prioritize MPR repairs across Tampa Bay because delays can cost you your rate lock, and we provide the documentation your lender needs.
What documentation do you provide to my lender?
A written project scope, an itemized cost estimate, a milestone draw schedule, our license verification (CBC1269114) and certificate of insurance, county permit documentation, and our VA Builder ID. We work directly with your lender’s construction department.
What if I don’t qualify for a grant — how else can I pay for the work?
You have strong loan options. A VA renovation loan bundles a purchase and repairs into one no-down-payment loan. A VA cash-out refinance lets you pull equity from a home you already own — often up to 100% of its value, with no PMI — to fund a larger remodel. And a VA construction loan covers ground-up builds and ADUs. We’ll help you figure out which fits.
Do you serve both Tampa and St. Petersburg?
Yes. We have showrooms in South Tampa and St. Petersburg and build accessible projects across Tampa Bay, including Hillsborough and Pinellas counties.
Trusted across Tampa Bay
Let’s build the home you earned.
Tell us your situation and which benefit you’re using. We’ll get right back to you, no obligation.
Prefer to call? Tampa 813-522-4359 · St. Petersburg 727-877-3144