Finance the Fix—With a Rehab Loan
Buy or refinance a home and roll renovation costs into one loan.
Perfect for fixer-uppers, outdated homes, or major repairs.
What Is a Rehab Loan?
A rehab loan allows you to finance both the purchase (or refinance) of a home and the cost of renovations with a single mortgage. These loans are often backed by the FHA or offered through specialized renovation programs.
How It Works
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Who Qualifies?
Rehab loans are available to buyers and homeowners planning to live in the property as a primary residence. You’ll need to qualify based on your credit, income, and project scope—typically with a 620+ credit score and a detailed renovation plan.
Why Buyers & Homeowners Use Rehab Loans:
🔨 Buy homes others overlook
🏚️ Turn a fixer-upper into your dream home
💰 Finance repairs with just 3.5% down (FHA 203k)
🔄 Renovate your current home without a second loan
📈 Build instant equity through upgrades
Rehab Loan FAQs
Q: Can I use it on a home I already own?
Yes. You can refinance your current home and finance renovations at the same time.
Q: What if the house isn’t livable yet?
That’s fine! These loans are made for properties needing serious repairs.
Q: Do I need to hire a licensed contractor?
Usually, yes. Lenders require professional estimates and oversight.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
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