We have 23+ Years of Experience in Home Improvement and Construction Financing

Financing home improvement is not a “one size fits all”, which is why we offer multiple options to tailor the financing to your needs. Those products include:

• Construction Loans
  • • Ideal for ground-up and large-scale projects. The “as completed” value is used to maximize equity and help qualify. The current condition of the house is not a factor since the as completed value and condition is used.
    • Whether you’re buying or refinancing, our one-close construction loan allows you to finance the renovations you’ve been dreaming of into one convenient loan. There’s just one application and one closing, saving you time and money, too. And now, this all-in-one loan includes higher limits, so you may be able to dream even bigger.

  Features:
  • ARM1 options available
  • Loan amounts up to $3 million available
  • Lock in your rate at any time
  • Easy construction draw process
  • One set of closing costs and fees
  • Interest-only payments during construction

• HELOC & 2nd Mortgages Terms from 5 to 30 Year.
  • • You could tap into your home equity with a cash-out refinance. But what if you already have a low interest rate on your mortgage? Consider getting a home equity line of credit (HELOC) instead. With a HELOC, you can hold onto your low mortgage rate and still access funds to pay for tuition, home renovations, high-interest credit cards, or personal loans

  Key features and benefits:
  • Withdraw HELOC funds as needed
  • Line amounts of $50,000-$500,000
  • Multiple draws available
  • Minimum initial draw required at closing must equal the greater of $50,000 or 75% of the full line amount
  • Variable rate
  • Interest-only option available

• Cash-Out Refinance
  • Refinance converts your home equity into cash. Use the cash-out to pay off high-interest credit cards, remodel your home, pay school tuition, or however you wish.
• Renovation – FHA and Conventional
  • Renovation mortgage combines home and renovation costs into one convenient loan. With just one closing, you’ll also spend less on loan fees. Your renovation funds are escrowed in an interest-bearing account to pay for repairs and upgrades as needed. Then when your project is complete, any remaining money will pay down your mortgage balance.
• Private Money
  • Qualify with more lenient guidelines.

Great for ADU’s, Full Home Remodels, Room Additions, kitchen remodels, and many other projects.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Renovation Loan Qualifier.
We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you. Renovation Loan Qualifier!
We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you.

Financing your Home Improvements

Here’s how our home loan process works:

• Complete our simple Renovation Loan Qualifier
• Receive options based on your unique criteria and scenario
• Compare mortgage interest rates and terms
• Choose the offer that best fits your needs