Finance your purchase and renovation costs in one streamlined loan. Perfect for fixer-uppers, investment properties, and dream home transformations.
Renovation loans offer the unique ability to transform a fixer-upper into your dream home or profitable investment with streamlined financing and expert support.
Finance both the purchase price and renovation costs in one convenient loan, eliminating the need for separate construction financing.
Roll your renovation costs into the mortgage—no need to drain your savings or use credit cards for home improvements.
Qualify based on your home's future value after renovations, not its current condition, maximizing your borrowing power.
Take up to 12 months to complete your renovations with contractor draws released as work progresses and is inspected.
Multiple loan programs available including FHA 203(k), Fannie Mae HomeStyle, and VA Renovation loans with various requirements.
Create immediate equity by purchasing below-market properties and renovating them to full market value or beyond.
Work with renovation loan specialists who understand construction timelines, contractor management, and draw procedures.
Available for investment properties and fix-and-flip projects, not just primary residences, with competitive investor terms.
See how renovation loans simplify the process of buying and improving a property compared to traditional purchase-then-renovate approaches.
Streamlined all-in-one financing
Separate purchase & renovation financing
Ready to transform your property with streamlined financing?
Let our renovation loan experts show you how much you can borrow and save.
From finding the perfect fixer-upper to moving into your transformed home, we guide you through every step with expert support.
Locate a fixer-upper or property with renovation potential. Our team can help you evaluate whether a property qualifies for renovation financing.
Complete your loan application and get pre-approved based on the property's after-repair value. We'll review your finances, credit, and renovation plans.
Work with licensed contractors to develop detailed work specifications and cost estimates. Our team reviews and approves your renovation scope.
Close on your loan in a single transaction. Renovation funds are held in escrow and released as work is completed and inspected.
Contractors complete approved work within 12 months. Our team coordinates inspections and draw releases to keep your project on track.
Once renovations are complete and final inspection passes, your loan converts to permanent financing with one simple monthly payment.
Most renovation loans close within 45-60 days. Renovation work must be completed within 12 months, with draws released as work progresses.
Real homeowners and investors who transformed properties with streamlined renovation financing.
"I found the perfect fixer-upper but didn't have cash for renovations. The FHA 203(k) loan allowed me to purchase the home and finance a complete kitchen and bathroom remodel in one loan. The team guided me through every step, from contractor selection to final inspection. Now I have my dream home with instant equity!"
"As an investor, renovation loans have been a game-changer for my business. I can acquire distressed properties, finance the rehab costs, and create immediate equity—all with one streamlined loan. The draw process was professional and efficient. I've now completed 8 projects using this financing strategy!"
Get answers to common questions about renovation loans, the process, and requirements.
Whether you're buying a fixer-upper as a first-time homebuyer or a seasoned investor acquiring your next project, our renovation loan experts will show you how to maximize your financing potential with streamlined construction-to-permanent loans.
