Buy a fixer-upper or unlock your home's equity — HomeFi's renovation loans give you the power to transform a house today and build lasting wealth tomorrow.
✓ No obligation · ✓ Soft credit pull · ✓ Answer in minutes
Renovation Loan Impact
We've streamlined the entire process so you can focus on planning your dream renovation — not paperwork.
Answer a few quick questions online. We run a soft credit check that won't affect your score and give you real numbers within hours.
Work with your dedicated HomeFi advisor to structure the right renovation loan — covering both your property cost and renovation budget.
Funds are released to your contractor as work progresses. Sit back and watch your home — and its value — transform.
Whether you're buying a fixer-upper or upgrading the home you already own, we have a loan built for you.
Use the equity in your existing home to fund a major renovation — no second mortgage required.
Homeowners with existing equity who want to renovate, or buyers purchasing a home that needs cosmetic or structural updates.
Buy a home that needs work and renovate it — all with a single, low-down-payment government-backed loan.
First-time buyers or anyone looking to purchase a fixer-upper at a below-market price and immediately build equity through renovation.
Real Renovation Impact
Fixer-uppers sell at a discount — and renovation loans let you bridge the gap. You get a better home in a better neighborhood for less, while building equity that other buyers simply can't access.
Distressed homes often sell 10–25% below neighborhood comps. Lock in a deal while others walk away.
No personal loans. No draining savings. Your renovation budget is baked right into your mortgage at mortgage rates.
When renovation is complete, your home is worth more than you paid — giving you a financial head start from day one.
Thousands of families have used HomeFi renovation loans to transform houses into homes — and build serious wealth.
"We bought a run-down ranch for $280K in a neighborhood where updated homes go for $420K. After our 203(k) renovation, we had $85K in instant equity. HomeFi made it completely painless."
"We used our home equity to finally do the kitchen remodel we'd been dreaming about for years. One loan, one payment, and our home's value jumped significantly. I wish we'd done this sooner."
"As a first-time buyer I was intimidated by fixer-uppers. HomeFi's team walked me through every step of the FHA 203(k) process. I put only 3.5% down and now own a completely renovated home."