The renovation loan guidelines summarized in this quick reference guide reflect published agency or government program guidance only and do not include lender overlays, internal policies, or investor-specific requirements, which may vary by lender.

Program guidelines, eligibility requirements, and limitations are subject to change at any time without notice. The information presented here is high-level and intentionally truncated for comparison purposes only. Additional conditions, restrictions, documentation requirements, or program nuances may apply.

Users are strongly encouraged to consult the applicable agency Selling Guides, government lending Handbooks, or official program documentation for the most current and complete guidance, and to confirm requirements with the lender originating the loan.

This information is provided for educational purposes only and should not be interpreted as lending advice, underwriting guidance, or a commitment to lend.