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Renovation Loans

Turn your home’s future value into today’s renovation budget.

Renovation loans combine your mortgage with a dedicated construction budget, backed by HUD, Fannie Mae, Freddie Mac, or VA programs. Because the loan is sized against your home’s value after the work is done, you can typically qualify for more than a standard cash-out refinance allows.

  • What it covers — minor updates starting around $5,000, deferred maintenance (roof, HVAC, plumbing, electrical), room additions, income units, pools, and landscaping.
  • How funds are released — your contractor submits the budget with the loan application; once escrow closes, funds are disbursed in draws as work is completed.
  • Who it’s for — homeowners and buyers who need more than they have on hand and want the lowest-rate financing option available.

See full program details, tools & feasibility calculator

Renovation Loans has a dedicated site with in-depth resources, before-and-afters, and ADU-specific tools.

Visit sd203K.com →
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FREE ADU FINANCIAL ASSESSMENT

Turn Your Backyard Into an ADU

Tell us about your project and we’ll review the financing options that fit your property, budget, and timeline.

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Free ADU Financial Assessment

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