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.
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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.
Everything you need to know about renovation financing — in plain English.
Thousands of families have trusted HomeFi to transform houses into homes and build serious wealth.
"I recently completed a home refinance with HomeFi, and the entire process was quick and easy from start to finish. They were fantastic to work with, extremely knowledgeable, answered all my questions clearly, and made everything feel straightforward and stress-free."
"HomeFi and their team definitely work hard for their clients. Your experience is very personal and you don't feel like just a number. Their team is available practically any time you need them. They are happy and willing to answer all questions and concerns, no matter how small it may seem."
"They kept the process moving and on target, they were quick to let us know what they needed and very responsive to our questions. The whole process only took a matter of weeks. Thank you HomeFi team!"