Rebuild Your Palisades Dream— VA Loans With No Limit
The fires took your home, but they can't take your future. If you're a veteran, you can rebuild with $0 down, no PMI, and no loan limit. Your service earned you this benefit—let's use it to restore what you've lost.
Fire Rebuilding Specialists
We've helped dozens of families rebuild after California fires. We understand insurance proceeds, construction timelines, and the unique challenges you face.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"I've worked with families after the Woolsey Fire, the Thomas Fire, and now the Palisades fires. I understand the emotional and financial complexity of rebuilding. My job is to make the financing piece as smooth as possible so you can focus on designing your new home."
Your Rebuilding Options
VA Construction Loan
- No loan limit with full entitlement
- $0 down payment
- No PMI ever
- No minimum credit score
- One-time close option
FHA Construction Loan
- Credit scores down to 500
- 3.5% down (10% under 580)
- LA County limit: $1,149,825
- Manual underwriting available
- Gift funds allowed
Asset Depletion Construction
- Loan amounts to $10M+
- No tax returns required
- Qualify using liquid assets
- Interest-only during construction
- Flexible draw schedules
The Rebuilding Process
Get Pre-Approved
We review your finances and issue a pre-approval for construction financing.
Select Your Builder
Work with your architect and licensed contractor to finalize plans and budget.
Close Your Loan
One-time close means you lock your rate now and only close once.
Build & Move In
Draws fund construction. When complete, your loan converts to permanent financing.
Recent LA Construction Closings
Marine veteran rebuilding after 2025 fires. $0 down, no PMI on $3.2M new construction. One-time close locked at 6.25%.
Woolsey Fire rebuild. Credit damaged by medical bills during displacement. Manual underwriting approved. Closed in 35 days.
Retired entertainment executive. $15M portfolio, complex tax returns. Qualified using assets. Custom home completed in 14 months.
Fire Rebuilding Questions
Can I use a VA loan to rebuild my Pacific Palisades home?
Yes. VA construction loans allow eligible veterans to finance new construction with $0 down and no PMI. There is no loan limit for veterans with full entitlement—you can rebuild your $5M+ Palisades home with VA financing.
Can I get a construction loan with a 520 credit score?
Yes. We offer FHA construction loans with manual underwriting down to 500 credit score, and VA construction loans have no minimum credit score requirement. The stress of displacement often impacts credit—we understand and can help.
How do insurance proceeds work with construction loans?
Insurance proceeds can be used as your down payment or to reduce the loan amount. We coordinate with your insurance company to ensure smooth disbursement. If your rebuild costs exceed insurance coverage, we finance the gap.