Can anyone recommend a lender for a VA Supplemental Loan?

There is the criteria from VA, but again there is reality. The VA simply guarantees loans up to 100% of appraised value (actually the difference between 80-100%). You'd have to see sufficient equity to create room for the supplemental. Then lenders will do their analysis and then price based on what they think the increased risk is. I remember looking at that in 2012. It was cheaper to get a regular home improvement loan from NFCU (MIL Credit Union). They were quite adamant about charging more because of all the BS that comes with having to deal with VA. I got $80K and then had it paid off when we sold the house two years later. You'll likely need a current appraisal before you can talk turkey with the lenders. Also, there is no roll into existing out there. New money is always attached to the interest rate of the moment. Look to see if you can refi your VA to conventional for a greater amount that includes the remodel. That presumes the total is not higher than 80% of value. This would likely be a no brainer the past few years, but with mortgage rates going up, the best you may do will be to hold tight on what you have. BTW, VA loans always are a couple points higher than conventional because of the BS I mentioned earlier.

SMSgt Elizabeth Banks Plan B - get a home improvement loan through credit union sources at current rates and protect your 2.8 pct VA loan. Probably much cheaper in the long run than refinancing the entire property at current rates, even if the reno loan is a little higher. Just my 2 cents - not worth much in the current inflationaoy environment.

Have you tried your current lender? I’m assuming you already have a VA loan. You could request that the lender roll the supplemental loan balance into your existing VA loan.