Rehab Loan
A rehab loan (FHA 203(k) or Conventional HomeStyle) lets you wrap renovation costs into your mortgage — perfect for fixer-uppers and dated properties with great bones.
What is Rehab Loan?
The right rehab loan can turn a tired listing into your dream home. Whether it's a 1980s kitchen, a leaking roof, or a full structural overhaul, a rehab mortgage finances the work in one closing.
Two main programs serve most borrowers: the FHA 203(k) for low-down-payment and flexible-credit scenarios, and the Fannie Mae HomeStyle for stronger credit profiles and luxury-friendly renovations.
Your Company has a dedicated rehab lending team that has guided hundreds of buyers through bids, draws, and inspections. We make rehab financing feel as smooth as a standard purchase.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Buyers eyeing fixer-uppers in great neighborhoods
- Homeowners who want to renovate their current home
- Investors converting properties to primary residences
- Anyone who needs structural or major system repairs
Key benefits
One Loan, One Close
Combine purchase price and renovation budget into a single mortgage.
Low Down Payment
FHA 203(k) requires only 3.5% down on the total project cost.
Renovate To Your Taste
Kitchen, baths, additions, roof, HVAC — most improvements are eligible.
Use The After-Renovation Value
Loan is based on the home's post-renovation appraised value.
How it works
Estimate Scope
A licensed contractor provides a renovation bid.
Apply
We underwrite based on contractor bid and after-repair value.
Close & Begin Work
Renovation funds are held in escrow and released as work completes.
Final Inspection
Final draw released after city inspection sign-off.
Frequently Asked
Get a personalized Rehab Loan quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.