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
Cash-Out Refinance vs. HELOC: Navigating Your Michigan Equity Options in 2026
What if the low interest rate you’re protecting is actually acting as an anchor rather than a sail? Many homeowners across the Great Lakes State feel trapped by the “golden handcuffs” of a pandemic-era mortgage, fearing that a cash-out refinance in Michigan will lead to a turbulent financial future. It’s natural to feel protective of your current monthly payment, especially with the 2026 market showing its unique shifts. You want to use your home’s value, but you don’t want to lose your steady altitude.
We’re here to help you map out a clear flight plan for your home’s equity. You’ll discover the most cost-effective way to access your wealth while keeping your monthly impact at a minimum. We’ll provide a tailored comparison that looks past the surface numbers to find the most tax-efficient path forward for your family. This guide breaks down the mechanics of total closing costs and interest rate math. You’ll gain the precision needed to decide which financial engine will give your goals the most lift without the risk of over-leveraging your future.
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