Unlock Your Home’s Potential with a Renovation Loan

At Francisco Mortgage Team, we specialize in providing personalized mortgage solutions to help individuals and families achieve homeownership. Whether you’re a first-time buyer, veteran, or business owner, we offer expert advice and a range of mortgage options tailored to your needs. Our goal is to make the home-buying process smooth and stress-free, ensuring you make confident financial decisions. To get started, simply contact our team and begin your journey toward homeownership today.

Don’t Let Home Improvements Drain Your Savings

Missed Equity Opportunities

Without a renovation loan, you could miss out on the chance to build equity through smart home improvements.

High Out-of-Pocket Costs

Paying for renovations without financing can strain your finances and limit your ability to complete the project.

Unrealized Home Value

Failing to invest in renovations could leave your home underperforming in the market.

Transform Your Home with Flexible Renovation Loan Options

Home Renovation Loans

We offer a range of renovation loan options that allow you to finance home improvements while building equity. This includes FHA 203(k) loans, which combine the mortgage and renovation costs into one loan.

Increased Home Value

Home improvements funded through renovation loans can significantly increase your home’s value, giving you a higher return on investment when you decide to sell.

Access to Multiple Lenders

Our team works with multiple lenders to ensure you receive the best loan terms for your renovation project, whether you’re upgrading a kitchen or remodeling an entire home.

Benefits

With a renovation loan from Francisco Mortgage Team, you can build instant equity without draining your savings. Our team provides access to multiple lenders, ensuring that you get the best financing for your home improvement project. We guide you through the process, making it easier to enhance your home’s value and create a more functional, beautiful living space.

Our Renovation Loan Process

1.

Initial Consultation

We begin by discussing your renovation goals and financial situation to determine the best loan options for your project.

2.

Loan Application and Approval

We guide you through the loan application process, ensuring you receive competitive rates and terms.

3.

Renovation Oversight

Once your loan is approved, we help oversee the renovation process to ensure that your project is completed on time and within budget.

Ready to Transform Your Home?

Get Started with a Renovation Loan

Finance your home improvements and build equity with a renovation loan. Contact us today to get started.

Schedule a Consultation Learn About Renovation Loans

Customer Stories: Real Results from Our Renovation Loans

Francisco Mortgage Team provides access to multiple lenders and ensures the best financial options for your renovation projects. Our expertise in renovation loans makes it easier for homeowners to increase their home’s value.

Joiye and her team were amazing to work with!!! They helped my husband and I buy our first home and were so helpful throughout the entire process! She was so quick to answer any questions we had and w…

Charlotte Rosales

We cannot be happier with Joyie and her team. It was evident from the beginning she was looking out for our best interests. She was delighted to explain the whole process in detail. I felt very cared …

Vicky Morgan

I’ve been working with Joyie for years now and the one thing that rings true each and every time is consistent integrity. Always doing the right thing. Especially when everyone else isn’t looking. Pro…

Max Franks

h Joyie ~ I can’t say enough great things about Joyie and her team! I had the pleasure of working with her through a mutual client, and she was absolutely amazing from start to finish. Her personal to…

Megan Johnson

Working with Joyie and her team was an absolute pleasure from start to finish. Their dedication to finding the best possible deal for my husband and I was evident in every interaction. Joyie’s warmth …

Briana Moreno

Where do I begin? Working with Joyie and her team was the most pleasant experience we had with a home buying process. She’s HIGHLY responsive, honest, dependable and will help you any way she can. W…

Tatiana Taylor

I closed on my home on Thursday. Working with Joyie and her team was a blessing. To have Joyie just as invested in the outcome and it be genuine was truly life changing. I am at a loss for words as I …

Todera Woods

It was a pleasure working with Joyie. She is very knowledgeable and took the stress out of the home buying and refinancing process! We would recommend this team to our family without hesitation! Thank…

Melissa

I can’t thank enough for this amazing team who made one of our dreams become a reality!! Thank you Joyie, Marianne, Karina, and Christie, and anyone I missed!! The team’s commitment, dedication, r…

Julio Cesar Martinez

What an awesome and professional team. No one else other than Joyie and her team that I’d want to take care of us during one of the most important times in our lives. All I can say is thank you for …

Blake Wise

Joyie’s team is awesome and professional. Her team helped me to purchase two houses with the perfect interest rate. She blocked interest rates at the right time. If you are looking for a lender, pleas…

Xuan Nguyen

Today I reached out to Joyie after I was already working with a previous lender to purchase an investment property. Initially, I was told that I did not qualify to purchase a home. My income profile i…

Jason Sandoval

Joyie and her team did an amazing job helping our family secure a loan for our new home. They went out of their way to assist us! We are very grateful clients who are now in a beautiful NEW HOME thank…

James Ryan

Joyie was absolutely fantastic! I’m a veteran, and she helped me use my VA loan to get an awesome home. I couldn’t have asked for a better experience. She truly cares about you and your best interests…

Derrick Christovale Jr.

If you aren’t using this company then you are missing out!! I first spoke with Joyie over a year ago and was looking to refinance my mortgage. My husband was attending a course, out of state, while I …

Lisa Rodriguez

Paul and Joyie and their team have gone through great lengths to get us our home! We officially sign today! We are first time home buyers, and given the situation at hand, on our part, they worked wit…

Ashley Balderas

Very greatful and happy for making our dream come true. 100% committed to client satisfaction. A++++ to Joyie and Team. Highly recommended. Thank you.

Raymundo Ceballos

FAQ

What is a renovation loan?

A renovation loan allows homeowners to finance home improvements by combining the cost of the renovations with their mortgage.

How does a renovation loan increase home value?

By financing home improvements, you can increase your home’s market value and build equity, which may result in a higher return on investment when selling.

What types of renovations can I finance?

You can finance a wide range of projects, including kitchen upgrades, bathroom remodels, additions, and more.

What is an FHA 203(k) loan?

An FHA 203(k) loan allows you to combine your mortgage and renovation costs into one loan, simplifying the financing process for major home improvements.

How do I qualify for a renovation loan?

Qualifying for a renovation loan typically requires good credit, a stable income, and sufficient home equity. We’ll guide you through the process and eligibility requirements.

How long does it take to get approved for a renovation loan?

The approval process usually takes 30 to 45 days, depending on the complexity of your project and loan application.

Do I need a contractor before applying for a renovation loan?

Yes, you’ll need to provide estimates from licensed contractors as part of your loan application.

Can I use a renovation loan for investment properties?

Yes, renovation loans can be used for both primary residences and investment properties.

What are the interest rates for renovation loans?

Interest rates for renovation loans vary depending on the loan type and your credit profile. We’ll help you find competitive rates.

Can I refinance my renovation loan?

Yes, once the renovation is complete, you may be able to refinance into a traditional mortgage with lower rates or better terms.

Build Equity with a Smart Home Renovation Loan