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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

The RWM Fluid Mobile App streamlines the process to buy a home or refinance a home, as well as helps you get pre approved
Your Journey Begins Here.

Getting started on the purchase or refinance of your home is just
a few minutes away. No commitment needed.

I have done business with RWM for 25 years and would not go anywhere else. Whenever any of my colleagues ask about mortgages I say RWM cannot be beat.

Brian R.
Rating: 5

Awesome experience with an impressive attention to detail and the ability to navigate and explain each procedure to me and my wife . Especially because we are first time buyers. Thank so so much from the bottom of our hearts.

Luis A.
Rating: 5

From beginning to end all of the friendly knowledgeable people at RWM made the mortgage transaction effortless and pleasant.

Boyd M.
Rating: 5

The ease of document uploads, the ability to docusign and the helpful videos complemented the excellent and personalized service by everyone on the team. I can’t wait to buy another property so I can use RWM again!

Kristin A.
Rating: 5
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