NATIONAL RENOVATION LENDING NETWORK · EST. 2009
Renovation loans — FHA 203k, HomeStyle, CHOICERenovation, and VA Renovation — finance a home's purchase price and its improvements in one mortgage. We connect you with licensed renovation lenders who do this every day, in all 50 states.
SHEET 01 · LOAN PROGRAMS
Most loan officers know one of these programs. True renovation lenders know when each is the wrong answer, too.
FHA · Government-Backed
Major renovations over $75,000 — structural repairs, additions, full gut rehabs.
3.5% down
Explore program →FHA · Streamlined
Non-structural renovations up to $75,000 — kitchens, baths, roofs, HVAC, flooring.
3.5% down
Explore program →Fannie Mae · Conventional
Conventional renovation financing for primary homes, second homes, and investment properties.
As low as 3% down
Explore program →Freddie Mac · Conventional
Freddie Mac's flexible renovation loan, including disaster-resiliency and accessibility upgrades.
As low as 3% down
Explore program →VA · Veterans Only
Zero-down renovation financing for eligible veterans and active service members.
0% down
Explore program →FHA · EEM
Finance energy upgrades — insulation, HVAC, solar, windows — on top of your base mortgage.
3.5% down
Explore program →FHA · Conventional · VA
Already own your home? Refinance and fund the renovation in one new loan.
Equity-based
Explore program →SHEET 02 · THE PROCESS
01
Talk through your scenario with a licensed renovation lender and identify the right program — 203k, HomeStyle, VA, or beyond.
02
A secure application matches your credit, income, and goals to real numbers, so you shop with a renovation budget in hand.
03
Your contractor (and consultant, if required) prices the work. The appraisal is based on the home's after-improved value.
04
One closing, one payment. Renovation funds sit in escrow and release in draws as each stage of work passes inspection.
SHEET 03 · 2026 FHA LOAN LIMITS
HUD's 2026 limits are the highest in FHA history. Most U.S. counties use the national floor; high-cost markets climb toward the ceiling.
Effective for FHA case numbers assigned on or after Jan 1, 2026. Alaska, Hawaii, Guam & U.S. Virgin Islands qualify for higher special-exception limits. Full 2026 guide →
Get straight answers about your scenario — no pressure, no call center.
SHEET 04 · FIND YOUR STATE
Loan limits, local market notes, and renovation lending guidance for every state.
GET STARTED
Whether it's a failed-inspection save, a foreclosure, or the kitchen of your dreams — start with a free consultation. We'll match you with a licensed renovation lender in your state.