Florida Home Renovation Loans
The right renovation financing can turn a good property into a great one. From light updates to full renovations, we help Florida buyers, homeowners, and investors choose loan options that align with their goals and timelines.
HomeStyle® renovation loans allow you to finance renovations into a conventional mortgage. This option is popular for buyers who want to purchase a home that needs updates or homeowners looking to renovate without taking out separate financing.
Renovation costs are rolled into the loan based on the after-renovation value, helping preserve cash while completing upgrades like kitchens, bathrooms, flooring, or structural improvements.
HomeStyle® renovation loans can be used for primary, secondary, or investment properties.
FHA 203(k) loans are designed to make homeownership and renovation more accessible, especially for first-time buyers or borrowers with lower credit scores.
This program allows you to purchase or refinance a home and include renovation costs in a single FHA loan, with flexible qualification guidelines and low down payment options for eligible borrowers.
A cash-out refinance lets homeowners tap into existing equity and use the funds for renovations or improvements.
This option works well for borrowers with strong equity positions who want flexibility in how renovation funds are used, without contractor restrictions tied to renovation loan programs.
A Home Equity Line of Credit (HELOC) or a Home equity loan provides revolving or lump sum access to your home’s equity, making it useful for phased renovations or ongoing improvement projects.
Many HELOCs allow you to draw funds as needed, pay interest only on what you use, and maintain flexibility throughout the renovation process.
Fix and flip loans are built for investors renovating properties, not owner-occupied homes.
These loans are typically based on the after-repair value (ARV) and renovation budget, offering faster timelines and flexible terms for experienced and first-time investors alike.
Ready to renovate your home?
Talk with a Florida mortgage professional today to explore your renovation loan options.