Home Improvement Loans

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The Home Improvement Loan Program (HILP) may be used for additions, garage construction, repairs, and remodeling (i.e., replace a roof, install new windows, a new furnace, or a central air conditioning system) of a veteran’s residence.


  • Increase the equity, value and comfort of your home by making improvements.
  • Fixed interest rates that will never increase starting as low as 6.25% and terms of up to 15 years.
  • Borrow up to 90% of your home’s equity.
  • Qualified applicants may apply for more than one HILP loan.
For further details, go to the WDVA HILP website