Whether you’re renovating an existing home, building from the ground up, or purchasing a property that needs improvements, the right financing structure is critical. We help you evaluate renovation and construction loan options designed to align with your timeline, budget, and long-term goals.
Renovation & Construction Loan Options
FHA 203(k)
Finance both the purchase (or refinance) and renovation costs into one mortgage.
Fannie Mae HomeStyle® Renovation
Conventional renovation financing for primary, second homes, or investment properties.
Freddie Mac CHOICERenovation®
Flexible renovation option designed for eligible conventional borrowers.
One-Time Close (Construction-to-Permanent)
Finance land, construction, and permanent mortgage in a single transaction.
Stand-Alone Construction Loan
Short-term financing for ground-up construction with refinance upon completion.
ADU Financing
Financing solutions for Accessory Dwelling Units, including renovation-based ADU additions, detached new construction, and One-Time Close options where eligible.
Structuring a Successful Renovation or Build
Renovation and construction financing require careful planning, contractor coordination, draw schedules, and timeline management. We work closely with borrowers and builders to structure loans that align with project milestones and financial goals.
Discuss Your Project
Before you break ground or begin renovations, let’s review your plans and structure the right financing approach.
Strategic planning. Clear expectations. No obligation.