Finance Your Home and Your Dream Renovations—All at Once.

Our renovation loans combine your purchase and improvement costs into one simple mortgage.

Start Your Renovation Loan Application

The Smarter Way to Finance Your Fixer-Upper

One Loan, One Closing

Simplify your life with a single application and one set of closing costs, streamlining your home improvement financing.

Borrow Based on Future Value

Your renovation loan amount is based on the home's enhanced value AFTER upgrades are completed, not its current state.

From Minor to Major

Finance everything from cosmetic updates and repair loans to full-scale home additions and major structural changes.

Competitive Rates

Enjoy mortgage-level interest rates on property upgrades, often significantly lower than personal loans or credit cards.

How Our Renovation Loan Process Works

1

Project Plan & Budget

Work closely with your chosen licensed contractor to outline the complete scope of work and detailed costs for your home improvement project and construction mortgage.

2

Appraisal & Approval

Your renovation loan is appraised based on the 'as-completed' value of the home, considering its improved condition and new features.

3

Close & Begin Work

Once approved, close on your loan and your contractor can confidently begin the renovation process according to the approved plan.

4

Draws & Inspections

Funds for the renovation are disbursed in scheduled draws as work is completed and verified through professional inspections, ensuring quality and progress.

5

Project Complete!

Praise the Lord!

Enjoy your newly renovated home, a testament to thoughtful planning and the seamless support of Unik Filen advisors.

Inspiration for Your Project

Stunning modern kitchen after renovation, featuring an island with pendant lights and white cabinetry.
Project Type: Kitchen Remodel. Financed with FHA 203(k) Loan.
Expansive new master suite with large windows, a cozy reading nook, and a spacious bed.
Project Type: Master Suite Addition. Financed with a Conventional Renovation Loan.
Updated home exterior with new siding, modern windows, and fresh landscaping.
Project Type: Exterior Facelift. Financed for property upgrades with a HomeStyle Renovation Loan.
The Rodriguez Family smiling in their newly renovated living room.

'We fell in love with a neighborhood but the only house available was a wreck. Unik Filen's renovation loan made it possible to buy the house and fund the entire remodel. It was so much easier than getting two separate loans, and their Unik Filen advisors were incredibly helpful every step of the way!'

- The Rodriguez Family

Have a Home Improvement Project in Mind?

Let's talk about your vision. Our renovation loan specialists can help you figure out the budget and the best loan type for your home improvement financing, whether it's a repair loan or a construction mortgage.

Schedule a Project Consultation