Home Renovations

Single-space and full-scale home renovations. Brand-new home construction. Everything in between. We can help you secure financing for it all with our flexible FHA 203(k) and FHA 203(b) repair escrow loan programs.

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  • Low down payment and credit requirements
  • Low interest rates available
  • Favorable terms
  • Flexible loan options
  • Fund thousands worth of repair costs

Your home, your way.

Man working on home improvement project

At Cardinal Financial, we know a smooth loan process is crucial to any home renovation or construction project. It’s a busy time with a lot of moving parts—that’s why we’re committed to fostering a seamless transaction. We keep you, your builder, and your real estate agent completely in the loop with clear communication about where your loan is every step of the way.

Related home loans.

Not ready for a reno or new home build? All in good time. Check out some of our other specialized financing options.

Conventional Loan

Want your choice of fixed or adjustable rates and no PMI after building 20% equity? Try a conventional loan, our most popular option for purchase and refi.

FHA Loan

Want flexible credit requirements, easy refinancing options, and potential for down payment assistance programs? Try an FHA loan.


Want a home in an eligible rural area with financing for low to moderate income households? Give USDA loans a try.

Featured blogs

The mortgage world is constantly changing. Check out our latest blog posts to keep up and stay wise to the market.

Make this loan yours.