Rehab & Renovation
Explore financing that brings your home purchase and eligible improvements together.
Renovation loans combine the purchase or refinance of a home with eligible improvement costs in one mortgage.
Potential benefits
- Finance a home and eligible repairs together.
- Can open up homes that need work.
- One loan and one closing for purchase and renovation.
General eligibility considerations
- A detailed project scope and contractor bids are typically required.
- Eligible improvements and project limits depend on the program.
- Credit, income, and property requirements apply.
Important limitations
- More paperwork and a longer timeline than a standard purchase.
- Renovation funds are typically disbursed in stages.
- Contractor and inspection requirements apply.
Common questions
Can I do the work myself?
Many programs require licensed contractors. Rules vary, so review your plans with a loan expert early.
What improvements are eligible?
Eligibility depends on the program. Some limit certain luxury items or structural work.
Is Rehab & Renovation right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
From first call
to closing day.
Your BridgePoint loan expert walks you through every step, so you always know what is done, what is next, and what you will need.
Tell us your goals
Buying your first home, growing your portfolio, or putting equity to work. We start with you.
Explore your options
Get clear guidance on the programs and possibilities that fit your financial picture.
Move forward with confidence
Your dedicated team stays by your side through the details, decisions, and closing.
Other programs to compare
Conventional Loans
Flexible financing options for purchasing or refinancing your home.
FHA Loans
Government-insured financing with flexible down payment and credit requirements.
VA Loans
Home financing benefits for eligible military members, veterans, and qualifying spouses.
Jumbo Loans
Financing for homes that call for a loan above the standard conforming loan limits.
First-Time Buyers
Find your footing with guidance and financing options for your very first home.
Seller-Paid Buydown
Learn how a seller contribution may temporarily reduce your mortgage payments.
USDA Loans
Government-backed financing for eligible homes in qualifying rural and suburban areas.
Let’s Build What’s Next
Whether you’re buying your first home, making your next move, or refinancing, we’re here to help you move forward with clarity and confidence.