Home Improvement Refinance
Fund renovations through your refinance — upgrade your home while potentially lowering your rate.
Overview
A home improvement refinance lets you access your equity to fund renovations and upgrades. Whether it's a kitchen remodel, bathroom update, new roof, or whole-home renovation, refinancing can provide the capital while potentially improving your rate or terms at the same time.
Who Is This For?
- Homeowners planning significant renovations or upgrades
- Borrowers who want to improve their home's value
- Homeowners who can also lower their rate through refinancing
- Those who prefer one mortgage payment over a separate home improvement loan
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Plan Your Project
Get contractor estimates and define your renovation scope.
Choose Your Strategy
Cash-out refi or renovation loan — we help pick the right path.
Finance & Renovate
Close the refinance and begin your home improvement project.
Frequently Asked Questions
Cash-out gives you a lump sum to use as you wish — simpler process, no draw inspections. Renovation loans (FHA 203k, HomeStyle) are based on the after-improved value, which can mean a larger loan amount for major projects. Your advisor can help compare.