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Refinance & RenovateSM Program

The Refinance & RenovateSM program provides the following:


  • One loan to refinance your mortgage and make renovations or repairs. 
  • Conventional or FHA 203(k) loan options.
  • Available with a fixed- or adjustable-rate. 
  • Includes single-family, one-to-four unit, planned unit developments, and condominiums.


  • Helpful for those with limited home equity. Loan amount is based on the home value after improvements are made. 
  • Lower monthly payments. Costs are spread throughout the term of the loan, so your monthly payments may be lower than other financing options. 
  • Speed. Start improvements right after closing. (Restrictions apply).
  • Tax deductibility. Interest may be tax deductible (Consult your tax advisor on the deductibility of interest).


  • In many instances, FHA may be a more expensive financing option and should be considered after thoroughly evaluating all other product options that meet your credit qualifying and financial needs. 
  • Financing may not be available for luxury items, such as a pool, hot tub, or spa with all programs. 
  • Requires hiring a contractor.
Talk to us about your refinance goals and options. Get Started
Call 1-866-383-8421 or find a local consultant

If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.