An easy and affordable option to finance home renovations.The HomeStyle Renovation loan is a conventional mortgage that lets borrowers finance improvements or renovations to a home. This loan type can be used at the time of purchase, or as a refinance transaction. The HomeStyle Renovation loan allows a variety of renovation projects including inground pools, outdoor kitchens, and saunas. Renovation accessory units such as in-law suites, or basement apartments are also an option.


Borrowers can finance in the renovations and take advantage of competitive rates, which may be lower than a home equity line, a personal loan, or credit card rates.

  • Up to 75% of the after-improved value in renovations
  • No minimum repair amount
  • Includes structural and non-structural improvements or repairs
  • Provides accessibility upgrades (ramps, rails, etc.)
  • Owner occupied, second home OR investment properties allowed
  • Down payments as low as 3% for first-time buyers
  • Purchase or refinance
  • Cosmetic repairs permitted
  • Appliances permitted
  • Luxury renovations or repairs allowed

Benefits of a HomeStyle Renovation Loan

The HomeStyle Renovation loan offers several benefits for home buyers.

3% Down Payment For First-Time Home Buyers

3% Down Payment For First-Time Home Buyers

The HomeStyle Renovation loan only requires 3% down for first-time home buyers.

Luxury Renovations Included

Luxury Renovations Included

This loan type allows luxury renovations such as inground pools, outdoor kitchens, and saunas.

No Mortgage Insurance Option

No Mortgage Insurance Option

No mortgage insurance is required with a 20% down payment.

Can Be Used For A Variety of Home Purchases

Can Be Used For A Variety of Home Purchases

The Homestyle Renovation loan allows financing for owner occupied properties, investment, and second homes.

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