Renovate

Home Renovation Financing Made Simple

Renovating your home—or buying one that needs work—just got easier. With a PrimeLending renovation loan, everything is bundled into one simple mortgage. No separate loans, no extra steps. Whether you're a homeowner or homebuyer, we'll help you finance your updates with less hassle and more peace of mind.

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Explore Renovation Loans

Whether you're tackling a full structural renovation or making minor cosmetic upgrades, PrimeLending offers 28 home renovation loan programs designed to fit your project. Our renovation financing options help both homebuyers and homeowners bring their renovation plans to life-easily and affordably.

EZ "C"onventional

Cosmetic improvements only

If you’re ready to modernize a home's look, this renovation loan finances smaller appraiser-requested or borrower-requested repairs.

VA Renovations

How heroes finance fixer-uppers

Did you know that whether you are active duty or a retired military member, your VA benefits can be used to make house repairs or completely remodel a home? We make it simple to immediately update a fixer-upper you’re planning to purchase or already own.

FHA 203K

Offering lower down payments

FHA renovation loans are more affordable renovation options to help refinance or buy homes needing updates or repairs. There are options for both cosmetic and structural repairs.

Repair Escrow

Options to fit your repair needs

Whether you're refinancing to renovate, making repairs or buying a fixer-upper that needs work, our repair options give you the ability to make the changes you want in a home.

Pool Escrow

Dive right in

Is your home missing the swimming pool you've always wanted in your backyard? That's what a pool escrow renovation loan option is for.

Choice / Homestyle

Designed for older homes

As homes age in established neighborhoods, updates and repairs that add value to the home are popular options. These loans from Freddie Mac and Fannie Mae offer the opportunity to do just that.

Green Home Loans

Home loans to go green

When owning an eco-friendly home is one of your top priorities, you need a home loan that is just as serious about going green as you. With a green home loan from PrimeLending, you can finance your long- and short-term energy efficient home goals.

Talk to an Expert About Your Renovation Options Today

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Renovation Tips & Tricks

Your Renovation Home Loan Review

Whether you're considering buying a fixer-upper or you want to fix up your current home, PrimeLending, a PlainsCapital Company offers a robust suite of renovation loan options to fit your needs and your budget. This informative video covers what a renovation loan is, what updates and repairs can be made and how the process works from day one to renovated home.

Guide to Financing a Renovation

PrimeLending has the financing you need to make your "perfect home" dream come true. Our renovation remodeling loans allow you to roll the costs of repairs or upgrades into refinancing your current mortgage, or into the mortgage for the home you buy.

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Frequently asked questions about renovation loans

What is a renovation loan?

A renovation loan is a type of mortgage that includes the cost of home improvements in addition to the home’s purchase or refinance price. At PrimeLending, our renovation loans allow borrowers to finance repairs, upgrades or remodeling projects with one convenient loan and a single monthly payment.

Can you add renovation costs to a mortgage?

Yes. With a renovation loan from PrimeLending, you can roll eligible renovation costs into your home mortgage, whether you're buying a fixer-upper or refinancing your current home. This allows you to pay for improvements over time, rather than upfront, with one simple mortgage payment.

How to get a home renovation loan?

To get started with a PrimeLending renovation loan, reach out to a local loan officer who can guide you through your options. They’ll help you get qualified*, understand your renovation options and guide you through a streamlined process that includes contractor estimates, appraisals and closing.

What’s the difference between conventional, jumbo and government-backed renovation loans?

Conventional renovation loans—like conforming or jumbo loan programs—typically offer higher loan limits and more flexibility in property types, making them ideal for larger or more customized projects.

Government-backed renovation loans, including FHA 203(k), VA and USDA renovation loans, are insured by federal agencies and often come with benefits like lower down payments, reduced credit score requirements and geographic or eligibility guidelines. USDA renovation loans, for example, are available for qualifying rural properties and offer 100% financing for eligible improvements.

PrimeLending offers both conventional and government-backed renovation options to match your goals and budget.