Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Homebuyers purchasing a property that needs repairs
- Homeowners planning renovations or improvements
- Builders or clients considering construction financing
- Investors evaluating fix-and-flip or repositioning projects
Common options
- Renovation loans
- Construction loans
- Ground-up construction
- FHA 203(k)
- HomeStyle renovation
- Fix-and-flip scenarios
- HELOC for improvements
- Cash-out for renovations
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Finance improvement goals instead of delaying projects
A practical review focused on your objective and documentation.
Compare renovation, construction, cash-out, and HELOC options
A practical review focused on your objective and documentation.
Review owner-occupied and investor scenarios where available
A practical review focused on your objective and documentation.
Plan around budget, timeline, and property condition
A practical review focused on your objective and documentation.
Common questions
Can renovation costs be included in financing?
Some renovation programs may allow eligible improvement costs to be included, subject to program and property requirements.
Is construction financing different from a regular mortgage?
Yes. Construction financing typically involves additional review of plans, budget, builder, timeline, and property details.
Can investors finance repairs?
Investor renovation or fix-and-flip options may be available depending on the scenario and program.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com