LOAN PROGRAMS
Each program has its own strengths, limits, and fine print. Here's the full toolbox — and honest guidance on which tool fits which job.
FHA · Government-Backed
Major renovations over $75,000 — structural repairs, additions, full gut rehabs.
3.5% down
Explore program →FHA · Streamlined
Non-structural renovations up to $75,000 — kitchens, baths, roofs, HVAC, flooring.
3.5% down
Explore program →Fannie Mae · Conventional
Conventional renovation financing for primary homes, second homes, and investment properties.
As low as 3% down
Explore program →Freddie Mac · Conventional
Freddie Mac's flexible renovation loan, including disaster-resiliency and accessibility upgrades.
As low as 3% down
Explore program →VA · Veterans Only
Zero-down renovation financing for eligible veterans and active service members.
0% down
Explore program →FHA · EEM
Finance energy upgrades — insulation, HVAC, solar, windows — on top of your base mortgage.
3.5% down
Explore program →FHA · Conventional · VA
Already own your home? Refinance and fund the renovation in one new loan.
Equity-based
Explore program →Get straight answers about your scenario — no pressure, no call center.