Renovation Loans: Transform Your Home

A renovation loan allows you to finance both the purchase (or refinance) of a home and the cost of home improvements in one loan. Whether you’re updating a kitchen, adding a new bathroom, or giving your home a complete makeover, renovation loans can help you fund the transformation.
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Key Benefits of Renovation Loans

Renovation loans offer the convenience of combining home purchase and renovation costs into a single loan. They also allow you to borrow based on the future value of your home after improvements, making it easier to fund extensive upgrades.
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Eligibility Requirements

Eligibility typically depends on your credit score, income, and the scope of your renovation project. Lenders will also consider the value of your home post-renovation and your ability to repay the loan.
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How to Apply

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Consult with a Lender: Discuss your renovation needs with a loan officer who specializes in renovation financing.

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Get Pre-Approved: Secure pre-approval to understand your borrowing limits and budget.

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Choose Your Renovations: Work with contractors to get quotes for the desired improvements.

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Close the Loan: Once approved, close the loan and begin your home transformation.
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Why Choose Us for Your Renovation Loan?

We offer expert guidance throughout the renovation loan process. Our team ensures you understand the terms and helps you get the best financing option for your project. We’ll be with you every step of the way.
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Why Choose Gary Walters?

With years of experience and a commitment to integrity, I provide personalized loan solutions tailored to your unique financial situation. Whether it’s your first home or an investment property, I help you understand your options and secure the best rates. You’ll receive clear, honest guidance every step of the way, from pre-approval to closing, ensuring a smooth and stress-free process. My goal is to build a long-term relationship that supports your financial future and helps you make confident decisions for years to come.

 

We are known for

Personalized Strategies: Loans built around your plans. 

Clear Communication: Proactive updates at every step.

Transparent Process: Clear communication and no hidden surprises

Efficient Closings : Helping you secure financing unnecessary delays.

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"FAQs"

We compare monthly cost, cash to close, and long-term savings across options so the math makes the choice clear.

Typically income, assets, ID, and property docs; we send a precise checklist customized to your file.

Purchase timelines vary by program and appraisal; we set realistic dates and manage milestones tightly.

Yes, FHA, VA, and some conventional options enable lower cash to close with clear tradeoffs.

When rate, term, or cash-out benefits beat costs within your target break-even window we calculate for you.

Ready to Renovate?

Contact us today to learn more about how a renovation loan can help you turn your current home into the home of your dreams.