Just moved into a new home and noticed it needs a few upgrades? Maybe the kitchen could use a refresh or the floors need replacing, but the idea of paying out of pocket or juggling multiple loans doesn’t sound ideal.
That’s where the EZ “C”onventional Repair Escrow from PrimeLending comes in. This simple renovation loan is designed for minor cosmetic improvements, letting you finance repairs up to $35,000, and can be bundled into your home purchase mortgage.
What is the EZ “C” loan?
The EZ “C” (short for Conventional Repair Escrow) is a renovation loan that allows you to roll approved home repairs into your regular mortgage. No need to take out a second loan or use high-interest credit cards.
You’ll have one loan, one closing and one monthly payment — plus a better-looking, more comfortable home.
What types of repairs qualify?
This loan is meant for cosmetic or minor upgrades—not major overhauls. Common projects include:
- New flooring
- Kitchen or bathroom updates
- Fresh paint
- Window replacements
- Appliance upgrades
- Light fixture changes
- Minor plumbing or electrical work
The key is that repairs must be non-structural and completed shortly after closing.
Want more information?
Message one of our renovation loan experts.
Why choose EZ “C” over other renovation loans?
The EZ “C”onventional Repair Escrow is designed to take the stress and complexity out of financing home improvements. Compared to other renovation loan options, it’s faster, simpler, and ideal for projects that don’t require structural changes.
Here’s what makes it stand out:
- Simple Process — No second loan, no separate closing
- Affordable — Finance up to $35,000 in improvements
- Flexible — Perfect for making your new home feel like yours
- Convenient — Just one monthly payment to manage
Unlike major renovation loans that require more paperwork and oversight, the EZ “C” is perfect for buyers who want to modernize or personalize their home quickly, with minimal hassle.
How an EZ “C”onventional Escrow works
Getting started with the EZ “C” loan is simple and streamlined — just like the upgrades you’re planning. Once you’ve found a home that needs a little love, here’s what to expect:
- Get qualified* with a PrimeLending loan officer.
- Identify repairs with your contractor and appraiser.
- Finalize loan with repair costs included.
- Close on your home.
- Repairs begin, typically right after closing.
- Funds for repairs are held in escrow and released once the work is complete.
The repair costs are built directly into your mortgage, so you only have one loan to manage. Funds are safely held in an escrow account and released after the work is completed and approved. No extra loans, no delays — just a smoother path to making your home feel like yours from day one.
With the EZ “C” loan from PrimeLending, you don’t have to wait to make improvements. Whether it’s new floors, a refreshed kitchen or just a few cosmetic upgrades, we’ll help you move in — and level up — right away.
Apply Now(Link opens in a new tab) to start your process today!
