Loan Products

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 Selecting the appropriate renovation or construction loan depends on:

• Property type and intended use
• Scope of renovation or construction
• Credit profile and financial goals
• Timeline and budget considerations

A strategic review of these factors ensures the financing structure aligns with both short-term execution and long-term ownership objectives.

We guide clients through FHA and Conventional renovation and construction loan options with a focus on clarity, compliance, and strategic alignment. Our team coordinates financing with design, construction planning, and long-term real estate goals to deliver a seamless experience.

Whether renovating an existing property or building from the ground up, the right financing structure is essential. Connect with our team to explore renovation and construction loan options tailored to your project. 

 FHA Renovation & Construction Loans

The FHA 203(k) loan allows borrowers to finance the purchase or refinance of a home and the cost of renovations under one loan.

Key Features:

• Low down payment options
• Flexible credit requirements
• Single loan for purchase/refinance and renovation
• Owner-occupied primary residences

Ideal For:

• Homes needing repairs or modernization
• First-time buyers or owner-occupants
• Structural and non-structural renovations

This program finances the purchase of land and construction of a new home with a single closing.

Key Features:

• One loan, one closing
• FHA-backed terms and protections
• Fixed-rate mortgage after construction
• Primary residence only

Ideal For:

• Ground-up residential construction
• Borrowers seeking predictable financing

Conventional programs offer greater flexibility for qualified borrowers, including higher loan limits and broader property use.These loans allow financing for purchase or refinance plus renovation costs.Key Features:

• Higher loan limits than FHA
• Primary residences, second homes, and investment properties
• Wide range of renovation types
• Competitive interest rates for qualified borrowers

Ideal For:

• Value-add renovations
• Investors or second-home buyers
• Borrowers with stronger credit profiles

Designed for ground-up construction, these loans may be structured as one-time or two-time close programs depending on lender guidelines.Key Features:

• Flexible construction terms
• Options for owner-occupied and investment properties
• Permanent mortgage conversion after completion

Ideal For:

• Custom home construction
• Borrowers seeking conventional loan structures