Refinance
Refinance-renovation
Refinance and fund improvements in one mortgage when the home needs more than a HELOC draw.
- Refinance plus rehab budget
- Draws after closing
- Primary-home focus
Who it is for
Owners who want to improve the property and recast the first mortgage together.
Renovation refinance is for work that should live inside the first mortgage: kitchens, roofs, additions with permits. We underwrite the project as well as the borrower so draws are not a surprise after closing.
Questions
- Can I refinance cash-out and renovate?
- Sometimes. Loan-to-value after repairs, occupancy, and contractor requirements decide whether renovation or a standard cash-out is cleaner.
Related programs
- Renovation purchase
Finance the home and the work in one loan when the property needs more than cosmetic paint.
- Home equity loan
A closed-end second mortgage with a fixed amount and, typically, a fixed payment.
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.