Home Renovations

Whether you're remodeling a single space, flipping an entire home, or building on an addition, we can help you secure financing for all of it with FHA 203(k) and FHA 203(b), Fannie Mae's HomeStyle® Renovation, and FreddieMac's CHOICERenovation® and CHOICEReno eXPress® loan programs.

hero image

Reasons/Highlights

  • Fund repair costs both small and large
  • May be used for primary, secondary, and investment properties
  • Flexible down payment and credit requirements
  • Fixed-rate 15- and 30-year options
  • Bundle property and project financing with select products

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.

Renos, remodels, rebuilds, and new builds. Whenever you’re ready for your project, we’ve got specialized financing options waiting.

CHOICERenovation

Bundle the purchase or refinance of your property and the cost of your projects with this single-close loan that’s based on the “as-completed” value of the home.

CHOICEReno eXPress

Ideal for repairs and renovations on a smaller scale, this loan offers the convenience of a single close on both purchase and refinance transactions.

FHA 203(k)

Fancy the idea of a fixer-upper? An FHA 203(k) loan covers the purchase of your property and the remodeling costs, including labor and materials.

FHA 203(b)

Are you purchasing a HUD home that needs repairs or refinancing an existing FHA mortgage on a home that needs repairs? This loan makes it easy to roll repair costs into your mortgage.

HomeStyle Renovation

From major renovation to minor restoration, this loan can conveniently fund various projects, including repairs, energy updates, landscaping, and luxury upgrades.

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.