Flexible Financing for Your Home Project

Revolving credit line secured by your home's equity — borrow as needed, up to your credit limit.

Homeowners with significant equity who want flexible timing as project costs are incurred.

Single loan secured by home equity, paid in a lump sum at a fixed interest rate — like a second mortgage.

Homeowners who want a fixed monthly payment and have enough equity to cover the full project.

Lends against your home's projected after-renovation value rather than current equity — borrow significantly more without refinancing your first mortgage.

Homeowners with limited current equity whose property value will rise substantially after the project.

Replace your existing mortgage with a larger loan and receive the equity difference in cash at closing.

Homeowners whose current rate is at or above today's rates — refinancing doesn't cost much more than holding.

Short-term loan that funds construction in draws (staged payments), then converts to a permanent mortgage at project completion.

Homeowners funding a large ADU or room addition who want to consolidate into a long-term mortgage.

FHA-backed loan that combines a home purchase or refinance with renovation costs into a single mortgage.

Buyers purchasing a home with ADU or renovation plans, or refinancing homeowners adding major renovation costs.