Renovation lending doesn’t have to be complicated — just smart.

Looking to make home improvements or guide clients through renovation programs?

The Reno Gal® helps homeowners, contractors, and lending professionals understand renovation lending from start to finish. Learn how renovation programs work, what’s required, and how to manage each stage confidently — from contractor selection to project completion.

Renovation Loan Types

Looking to buy and renovate? Check out our mortgage renovation loan types!

Renovation FAQs

Get educated and have your renovation mortgage questions answered!

Renovation Blog

We're updating our blog constantly with new mortgage renovation posts!

Ready to get started? Go ahead and complete this form and I’ll be in touch soon after!

About the Reno Gal®

Jennifer “The Reno Gal®” Goldsby has over 20 years of experience helping lenders and industry professionals develop, manage, and improve renovation lending operations. Her consulting and training programs focus on compliance, efficiency, and delivering a better renovation experience for borrowers and lenders alike.

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Renovation Mortgage Pros VS Cons

Renovation lending doesn’t have to be complicated — just smart.

Looking to make home improvements or guide clients through renovation programs?

Renovation Loan Types

Renovation FAQs

Renovation Blog

Ready to get started? Go ahead and complete this form and I’ll be in touch soon after!

About the Reno Gal®

Renovation Mortgage Pros VS Cons

Pros

Ability to purchase a distressed home at a discounted price

Refinance a home in need of repairs or upgrades

Low or no down payment financing options

Low-cost way to finance home improvements

One monthly payment for property and repair costs

Ability to leverage future home value for financing

Gain equity and resale marketability by making home improvements

Customize and design your home to fit your personal preferences

Make home improvements immediately after loan closing

Tax-deductible mortgage interest (consult with your tax professional)

Cons

Takes longer to close than traditional loans

You must make decisions quickly (e.g. selection of contractor, materials)

Contractor cooperation is essential

Do-It-Yourself (DIY) options may be limited

How the renovation mortgage process works

Get pre-approved

Go under contract for the purchase of a home

Find contractor

Get bid

Work with Consultant (if/when applicable)

Appraisal is ordered

Loan is submitted to underwriting

Close loan

Begin renovations

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