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renovation loan kitchen

Renovation Loan originator John Adams is a top national performer in the renovation loan process. John Started in the mortgage business in 2003 and in 2008 the housing collapse was stronger in Florida than most markets. While many originators were getting out of the business after the mortgage collapse, John was actually refueled by the down housing market and his experience with restoring older homes as a hobby. He dove into renovation loan programs that no one else wanted to to take the time to finance and started specializing in just renovation lending.  He has managed renovation loan teams for the top national production renovation loan bank branches in the US in 2013 and voted one of “Jacksonville’s Top Mortgage Professionals” by Jacksonville Magazine in 2015.

After renovation loan kitchen

John and his dedicated imortgage team have simplified and the home buying process, while a creating a great home-buying experience for both the buyers and sellers. He is a member of the Northeast Florida Association of Realtors (NEFAR), Graduate of the Leadership Academy, and also named Affiliate of the year. John is a Crystal R for RPAC REALTOR® Political Action Committee and served as the 2015 Chair for NEFAR. As a born and raised Florida native family man, John has seen the effects of the housing market in the area. Not only has he executed a thousand of these transactions in his career he actually has used this program for his own family’s dream home. His team can truly see the process through your eyes. Allow John and His to show you a better way home.

Before Renovation loan

Home Renovation Before | Mortgage with Renovation Florida

After Renovation loan

Home Renovation After | Mortgage with Renovation Florida

John was referred to me by a Realtor friend….He managed to get me the government loan with the amount I needed to rehab the house in the period of time I needed, so I would not have to pay any penalties….If there was a five star rating, I would give him six stars. I look forward to many more loans with him in the future.

Steve S., Jacksonville FL


VA Renovation Loan Myths

VA Renovation loans have a lot of hype today. Some didn’t know they existed, some refute the programs existence. The VA Renovation loan, or sometimes referred to as the the alterations for improvement and repair loan, is catching on and finally other lenders are starting to offer a VA Renovation product. But we would caution that you research the facts on what you are being served as some lenders are watering down their guidelines of what is possible with the program. 

What VA Renovation Used to be 

When the John Adams Team was introduced to loanDepot and VA Renovation loans almost 5 years ago, previously imortgage, they had great experience with production as renovation specialists for FHA and conventional renovation loans. Until this time the team had been placing Veterans in programs that could require mortgage insurance and large down payments as no one was offer the VA Renovation loan type. 

Having served 5 years of service with loanDepot the team turned their existing renovation loan leadership to a team establishing themselves as the top performers of VA Renovation loans in the county for the company for the last 4 years running. 

“The company has changed a lot about what we can now offer our veterans and service people. We have come a long way with this product and an proud to assist those who have served achieve the guidance they need to fulfill they dream using our product” – John D. Adams, Jr. 

We used to be the only ones offering this product but that has all changed due to a recent circular from the VA completing a 6 page document on the VAs renovation loan procedures ( Alterations for improvement and repair loan ) 


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Renovation loan originator in Florida

In today’s market there are new and varied means of financing distressed properties of which many consumers are unaware. Are you looking for a foreclosure or older distressed home? Is every home you see for sale stale and missing the personalization and customization of your needs? Would you like to buy your home and make it exactly how you envision it?

John Adams has spent the last 9 years of his 14 year career focusing on help home buyers to use VA Renovation loans, Fannie Mae Homestyle renovation and FHA 203k renovation loans and renovate them to their preferences. John has simplified the process that eliminates confusion and time crunches specifically for the processes involved in renovation lending in Florida. John Adams and his team can help you turn a bank owned, tired or fixer opportunity property into your dream home.

Most mortgage lenders take a general approach to mortgage lending and offer every mortgage product available. We have taken a different approach and have spent most of our careers as a top production mortgage team focused on just renovation lending.

We teach a 3-hour CE course for Florida real estate agents at most Florida Real Estate boards, called “Distressed Property Solutions” where students will understand how they can offer FHA VA and/or conventional financing on virtually any property, regardless of condition.

We think the best way to serve our referral partners and customers is not to know a little about everything, but to know as much about  renovation lending and the process for our customers. Let us guide you through the process and show you a better way home!

John Adams is a 5-Star Agent on Trulia and Zillow