Finance the home — and the upgrades — in one loan.
Buying a fixer-upper or transforming your forever home? Renovation loans wrap the purchase price and the cost of improvements into a single mortgage, based on the home's value after the work is done.
What makes this loan a good fit.
FHA 203(k)
Government-backed renovation loan with flexible credit guidelines and low down payment options.
Fannie Mae HomeStyle
Conventional renovation loan for primary residences, second homes, and investment properties.
Freddie Mac CHOICERenovation
Conventional option that finances structural repairs, energy upgrades, and disaster resiliency improvements.
One Loan, One Payment
Skip the separate construction loan or HELOC — the renovation is built into your mortgage from day one.
Based On After-Repair Value
Borrow against what the home will be worth once the work is finished, not just today's appraisal.
Trusted Contractor Network
We'll help coordinate licensed contractors, draws, and inspections so the project stays on track.
Is this the right loan for you?
Every situation is different. Call Erin and we'll walk you through the trade-offs and find the loan that actually fits your goals.
- Buying a home that needs work
- Major remodels of a current home
- Energy-efficiency or resiliency upgrades
- Adding square footage or an ADU
- Investors rehabbing a property