Every home is essentially a blank canvas for you to customize and create your perfect space. The good news is, you don’t have to pay cash or use high-interest credit cards to do it! A renovation loan could be a better option that allows you to turn your vision into reality.

Click on the names in the table below to contact a Homeowners Renovation Loan Professional who is licensed in your state today!


Abel Carrasco (FL)Adrienne Jones (GA, NC)Alvaro Loureiro (FL)Amber Laudenbach (MN)
Austin Lampson (CA, AZ)Avni Patel (AL, GA)Beth Elrod (FL)Bill Dickens (FL)
Brad Slager (AZ, CA)Brian McIntosh (GA, SC)Cameron Owens (CA)Carl Parnell (FL)
Chase Murray (GA)Chris Hendricks (CA)Clay Brunson (AL)Crystal Bernier (FL)
Daniel Dean (FL, GA)Darrin Shemon (MN)Debbie Bishop (AZ, CA, GA, NV, SC)Diana Lopez (FL)
Eric Couben (GA)Gary Robinson (AZ, FL, MN)Gustavo E. Saballos (FL, MN)Heather Livingston (SC)
Heather Sorensen Humphreys (AZ, CA)Jack Meyer (SC)Jackie Garcia (FL)Jacqueline Martinez (AZ)
Jeana Ziroli (AZ, CA, CO, FL, IL, MN, NV)Jeff Adams (GA)Jennifer Grotte (MN)Jerry Stover (AL, GA)
Joe Siau (CA, NV)Joe Wurtenberger (AZ, KS, WA)John Lee (FL)Joleen Lafayette (CA)
Joseph Duston (FL, GA, NC, SC, TN)Jon Dunckel (CA)Josh Nastal (AZ, CA, CO, FL, IL, MI, NV, TX, WA)Joshua Dean (GA, AL, FL, TN)
Kathy Mertens-Pickett (AZ, CA, ID, MT, FL, TX)Khristine Hartman (FL, GA, MI, NC)Kyle Brown (FL, GA)Lauren DeLauter (GA)
Linda Didier (FL)Linda Williamson (AZ)Loren Bronczyk (AK)Marc Chillion (FL, GA, TN)
Mark White (AZ, CA, TX)Mary Gardner (AZ, CA, CO, MI)Matt Quagliana (AL, FL, GA, TN)Melanie Benjamin (MN, WI)
Michael Pitts (NC, SC)Michele Beyer (AZ)Monica Jenkins (TX)Nair Feliciano (FL)
Nicholas Esposito (AZ)Patrick Carroll (GA, FL, NC, TN)Patrick Kelly (GA)Ray Henderson (AL)
Rita Caruso (CA)Sergey Shirokov (CA, OR, WA)Shaneka Dash (FL, GA, SC)Steve O'Donnell (AK, AZ, CA, ID, WA)
Terri Presutti (NC, SC)Tim Jorden (AZ)Timi Molitor (MN)Trina Lavigne (MN)
Wayne Thompson (GA)

Does Homeowners Financial Group offer renovation financing?
Yes, your dream remodeling projects may be eligible for financing under a mortgage program! We offer many types of renovation loans that can be used for repairs and improvement projects that are permanently affixed and add value to your home.

Is a renovation loan right for me?
Is your home in need of major remodeling? Are you ready to make a move but you can’t find a new home you can afford in the neighborhood you want? Are only a few things about your current home making you want to move? Do you still love your current location? If you answered “yes” to any of these questions, a renovation loan could be your solution! This type of financing can help you turn your current home or a fixer-upper you want to buy into the home of your dreams.

Can a renovation loan be a better option than moving?
Yes! If you’re a current homeowner, a renovation loan with a lower interest rate than most credit cards can be much more attractive than incurring the costs of selling a home, acquiring another one and moving – particularly in a market where housing inventory is low and you’re competing against multiple cash offers!

What is Two-in-One Renovation Financing?
Two-in-One Renovation Financing is a type of loan that can help you purchase a new property and pay for any needed repairs or desired renovations with just one loan and one payment.

What is a HomeStyle Renovation Loan?
A HomeStyle renovation loan is a conventional mortgage that allows you to make any repairs that are permanently affixed to the property. This loan can accommodate both structural and non-structural repairs and can be used for primary homes, second homes, and 1-unit investment properties. First-time homebuyers on a primary home can have as little as a 3% down payment, while repeat buyers on a primary home can have as little as a 5% down payment. The after-improved value is used to determine your loan amount.

What is an FHA 203(k) Renovation Loan?
An FHA 203(k) loan is designed to make any home your dream home purchase! You can also use it to make improvements to your outdated existing home instead of moving. You can finance rehabilitation costs within a single mortgage, rather than having to obtain a separate loan to finance the cost of repairs or walking away from a home because you don’t have the cash to make improvements. The “after-improved” value is used to determine your loan amount. Even better, the FHA allows you to use 110% of the after-improved value if the appraised value comes in low.

What is a Standard FHA 203(k) Renovation Loan?
A Standard FHA 203(k) Loan may be used to purchase or refinance a home that needs remodeling and/or structural repairs (landscaping and hardscaping are allowed). There is a minimum rehabilitation cost of $5,000 (with no maximum repair amount) and the use of a 203(k) consultant is required. The maximum time to complete your renovations is 6 months or 180 days.

What is a Limited FHA 203(k) Renovation Loan?
A Limited FHA 203(k) Loan may be used to purchase or refinance a home that needs minor non-structural repairs not exceeding $35,000 with the total renovation budget including contingency and fees. There is no minimum rehabilitation cost and the use of a 203(k) consultant is not required. The maximum time to complete your renovations is 6 months or 180 days.

Can an FHA 203(k) Renovation Loan help me buy a home when the appraisal comes in low?
Yes! That’s because an FHA 203(k) Renovation Loan allows you to borrow based on 110% of the home’s value when the value is not supported by an appraisal, or the seller won’t make any repairs required by the appraisal. You must also meet the maximum loan amount requirement for your county. Other restrictions may apply. Contact your nearest Homeowners Licensed and Certified Renovation Mortgage Professional to discuss the details and go over your options.

Can I roll the cost of renovations to my current home into my mortgage?
Yes! Sometimes a home renovation requires more than a line of credit. If your home is a dream candidate for professional updates, we offer the right solution for your unique situation with just one application, one closing, and one set of closing costs. Renovation refinance products are considered “no cash out” transactions based on the after-improved value, which means more money for you to renovate!

What are some of the projects I can do with a renovation loan?
With a renovation loan (also known as rehabilitation financing) you can:

  • Add more living space.
  • Add an ADU (Accessory Dwelling Unit) for multi-generational family needs.
  • Remodel kitchens and bathrooms.
  • Create a home office.
  • Install new appliances.
  • Replace carpets, tile, siding, gutters, and roofs.
  • Transform your patio or backyard space.
  • Build out an attic or basement.
  • Install a pool.
  • Reconfigure floor plans.
  • Upgrade mechanical systems like HVAC, plumbing, and electrical.

Allowable repairs and upgrades are specific to each renovation loan program. Contact us for details.