Finance your purchase and your renovation
in a single loan — one closing, one payment.
Found the right neighborhood but the wrong house? Or maybe you're already home and ready to finally do that kitchen, add a bathroom, or tackle a full remodel? Renovation loans let you roll the cost of improvements directly into your mortgage — no second loans, no high-interest home improvement lines, and no waiting until you've "saved up enough."
We offer five renovation programs through Planet Home Lending — for first-time buyers, move-up buyers, investors, and veterans. Here's how they break down:
The most powerful reno loan available — handles structural repairs, full gut rehabs, even tear-down/rebuilds. No maximum repair amount.
Same low FHA down payment, simplified process — ideal for cosmetic upgrades and non-structural work up to $75,000.
Conventional renovation financing with no mortgage insurance required at lower LTVs — works for primary homes, second homes, and investment properties. Pool construction allowed.
Similar to HomeStyle but with the longest draw period in the market — 450 days. Great for larger projects that need more time. Also works for second homes and investment properties.
$0 down renovation financing for eligible veterans and active-duty service members — up to $1.5 million loan amount. No monthly mortgage insurance. Ever.
I'll run the numbers for you — purchase price, renovation budget, and what your all-in payment looks like before and after. No pressure, no obligation.
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