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Fixer Upper

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We see the potential you see.

You’ve found a home that needs some help. Maybe it’s in the perfect location but could use a coat of paint. And a new roof. You can’t wait to see how it all comes together — and neither can we.

Let’s Buy A Fixer Upper
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You fix it, we’ll fund it.

Forever homes can be elusive. But if you have an eye for spotting a fixer-upper, we have the financing options flexible enough to make it yours.

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    Low and no downpayment options

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    Major and minor repairs welcome

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    One-time close and fewer costs

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    Credit score as low as 620

One loan, endless upsides

We save you money by combining the purchase of your fixer-upper and the cost of your renovation into one loan. No second mortgage or higher rates —just more reasons to make it home.

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    Score a deal on a home in a great location

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    Unlock more options in a variety of neighborhoods

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    Find a bigger home in need of a little TLC

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    Customize your home for your style and needs

Minor repairs to major upgrades

From cosmetic updates to major repairs, we’re flexible on change. We’ll help you tackle funding for a variety of repair projects and upgrades.

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    Plumbing, electrical, and HVAC upgrades

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    Energy efficiency upgrades

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    Repair or replace roof and gutters

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    Refinish or waterproof basement

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    New windows, doors, or floors 

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    Kitchen or bath redesign

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    Interior and exterior paint

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    New appliances

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    Room additions

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    Structural changes

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    Foundation repairs

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    Accessory Dwelling Units

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    Attached and detached garages

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    Accessibility upgrades

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    Landscaping or decking

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    Swimming pool installation

How it works

  • 1

    Get started

    Connect with us to get preapproved and determine your budget, so you can find your fixer-upper.

  • 2

    Find a home

    Pick a place that needs some love, and we’ll let you know if it’s a good fit for our programs.

  • 3

    Pick a contractor

    Choose a licensed contractor to create an estimate for bringing your plans to action.

  • 4

    App, appraisal & approval

    Submit your paperwork and expected reno costs. An appraiser will estimate your fixer-upper’s value after improvements, so we can get you approved for the right loan amount.

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    Closing

    Your loan will close and we’ll set aside funds for your house projects. 

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    Begin renovations

    Your contractor will get to work; we’ll release funds throughout the project.

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    Final inspection & move in

    Once done, we’ll inspect the work and finalize everything—while you enjoy your newly remodeled space.

Ready to get started?

Find A Loan Officer
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