Purchase
Purchase-renovation financing
Finance the home and the work in one loan when the property needs more than cosmetic paint.
- Purchase plus rehab in one close
- FHA and conventional-style options
- Contractor and budget review
Who it is for
Buyers purchasing a property that needs repairs, updates, or a more substantial rehabilitation.
Renovation purchase loans wrap acquisition and construction into one mortgage so you are not stacking a personal loan on top of a first. Draw schedules, contingency, and contractor licensing are part of underwriting — we set that expectation on day one.
Questions
- Can I do the work myself?
- Many programs require licensed contractors. We confirm that before you write a renovation contract.
Related programs
- Renovation refi
Refinance and fund improvements in one mortgage when the home needs more than a HELOC draw.
- Fix & flip
Short-term capital to acquire, renovate, and exit a residential investment — or bridge to a longer DSCR loan.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.