Renovation Financing
Whether you’re buying a home or your current home needs a makeover, making improvements just got easier. Our renovation loan programs can help you get those much-needed repairs or those nice to have home improvements by financing the costs into your mortgage for one monthly payment. These programs are also a great way to handle any appraiser required repairs. We have renovation loan options for both conventional and FHA loan programs.
How does it work?
The basic process is fairly straight forward. The first step is to identify a property and negotiate a acceptable contract. Next you will need to get a bid from a licensed contractor for any work you want to do on the home. We then order an appraisal. The appraisal is done as completed, meaning the appraiser gives us a value based on the completed project. When the appraisal comes back we button up anything else that needs to happen underwriting wise and then close on the loan. At closing the seller get’s their money and ownership of the property also changes hands. The contractor can now go in and get going on the work. Once all the work is done we reinspect the property, verify everything is done, and then pay the contractor out of the loan proceeds. It’s really that simple.
To find out more about the benefits of our renovation programs, contact me today!
Program Details
Latest Blog Post
How to Navigate the USDA Eligibility Map for Your 2026 Michigan Home Search
Did you know that over 85% of Kalamazoo County land is currently eligible for zero-down financing, even after the 2026 boundary updates? Many homebuyers worry that “rural” only applies to remote farmland. They fear the turbulence of falling in love with a home in Oshtemo or Comstock only to discover it’s outside the permitted zone. It’s a high-stakes concern, but you don’t have to fly blind during your search.
I’m here to provide the flight plan you need to master the official usda eligibility map and identify zero-down properties across Southwest Michigan in seconds. You’ll learn how to navigate the interface with precision and understand the latest May 2026 income limits, like the $90,300 threshold for Kalamazoo households. We’ll also cover the current 5.00% interest rates for direct loans and the specific 2026 boundary lines. This guide ensures you can start your pre-approval process with total confidence. Let’s clear the runway for your new home journey.
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