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Renovation Loan

Renovation Loans

Avoid the drama of listing and selling your home. Forget the hassle of moving and finding a replacement home. Instead, renovate your current home. Create the home of your dreams without incurring consumer debt, an additional loan, or dipping into your savings!

Renovation Loan Programs

  • Fix & Stay
    Refinance your current home and renovate it to become the home of your dreams.
  • Buy & Build
    Purchase a new home and renovate it to be the home you were looking for.

Qualification Requirements

  • As low as 3% down payment for purchase
  • Must maintain as low as 5% equity for refinance
  • Credit scores as low as 680 may qualify
  • Loan limits vary by county*


  • Develop scope of work
  • Establish a budget
  • Hire a contractor
  • Close your loan
  • Renovate

*To learn more about the your county’s Conforming loan limits, please visit: Federal Housing Finance Agency

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.




Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family…read more

Kirk C.

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It…read more

Julie M.

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow…read more

Cassandra C.

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.


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