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Renovation Financing Available

You pick the contractor. I’ll provide the financing.

Need financing for your home improvements?

Whether purchasing a new home or refinancing a home you already own, renovation loans are a great solution for homes in need of repair. You pick the contractor, and I'll provide the financing. Using a renovation loan may arguably be the most beneficial and cost-effective financing strategy available for home improvements, avoiding the need to liquidate savings or postpone your renovation projects.

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 (NMLS #591226) has over 20 years of experience working with financing options that improve the habitability of homes across the nation. Jennifer is committed to providing comprehensive and timely advice on using renovation loans and other financing options to help homeowners repair, renovate, or update their homes.

Renovation Mortgage Pros VS Cons



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)



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

What our clients have to say

Raymond O.

Jennifer was always there. She consistently showed professionalism and more importantly kindness whenever my wife or I had questions or concerns. Her and her team worked diligently to assure we could close on the date that was best for my wife and I. We will be indebted to Jennifer forever for all she has done.

Madeline T.

Jennifer was so informative throughout the whole process! She always kept us up to date with information and details. Jennifer made the experience run as smooth as possible and we would definitely use her again!

Jonathan T.

Working with Jennifer was a great experience. She is very knowledgeable, friendly, and covers every detail and answer every question. I highly recommend Jennifer!

Tawina D.

Jennifer's customer service was great. She kept me updated throughout my home buying process. Most of all, she was caring, compassionate, empathetic...

Dalton L.

Had a great experience and all questions were answered in a timely manner. She’s very quick at responding and answering any questions you may have.

Richard W.

Jennifer was pleasant to work with. As a first time home buyer, my wife and I had no idea how the home buying process worked, but Jennifer answered every question we had and made this process extremely easy!

Travis W.

Mrs. Goldsby was overall outstanding. Communication with her was never lacking. She was very straightforward and always professional. I will gladly recommend her to my family and friends!

Michael S.

I can say without reservation that Jennifer Goldsby did an amazing job! She was extremely professional and fantastic to work with through the entire process! Kudos to Jennifer!

Denise A.

Jennifer was so involved in our home buying process - she consistently calmed us while telling us we were her top priority. She was the best!!!!

Kayla T.

Jennifer Goldsby is one of a kind. She is friendly, kind hearted, and overall one of the most honest people I have ever worked with. She takes her job very seriously and pays attention to detail.

Matthew S

Jennifer was incredible. She was extremely communicative, professional, and effective. We shopped local agencies, and none came close to as satisfactory as the level of service and expertise Jennifer displayed. We have her to thank for our dream home. I will be recommending her and her team to ANYONE that I know is looking to buy a home. JENNIFER- we cannot thank you enough for your hard work

Ashley S

Jennifer was helpful, quick to respond, knowledgeable, and very friendly. She worked really fast to make sure we could get an offer in on our house. Gave great advice when closing on our loan and made the experience as first time home buyers seamless. I would recommend her to anyone looking into financing for their new home.

Our Partners

Renovation Gal Partners