Home Renovations

Got your eye on a fixer-upper? We can help finance it. A Renovation loan rolls your project costs and mortgage into one, convenient loan.

Why choose a Renovation Loan?

Simplify financing with just one loan
Save on fees with just one set of closing costs
Boost curb appeal when it’s time to sell
Customize your home for less than a new build home
Pair with core loan types for the tailored financing you need
Avoid credit card interest rates on your home project costs

Fix It, Minus the Mayhem

When you’re upgrading your home, you need everything on track. Our speed delivers certainty, from application to close. Powered by our living loan engine, every step stays in sync—to move forward faster.

What To Expect When You Renovate
When you choose Cardinal Financial, you’ll always know what’s next.
Have a swipe! ⟶
Step 1: Apply
Submit documentation to see if you qualify for renovation financing.
Step 2: Select Contractor
Once you’re approved for financing, select a professional contractor to execute your project. We’ll validate your selection to make sure you’re in good hands.
Step 3: Underwriting
We’ll review your renovation details and make sure they meet our requirements. Our Underwriting team will also review all the documentation you provided in your application.
Step 4: Closing
Once your loan is approved, it’s time to schedule a closing date. Congrats!
Step 5: LIP Account
After closing, the funds will be held in an LIP (loan in process) account. Your contractor will draw funds from this account as needed to complete your renovations.

For Real Estate Agents

Get in touch to see how we can help your clients navigate renovation financing with confidence.

Learn More

For Contractors

Learn more about partnering with Cardinal Financial on your home renovation projects.

Learn More

Renovation Financing Solutions for Your Goals

No matter your homeownership goals, our loans can help you reach them with clarity.

Conventional Renovation Loans

CHOICERenovation^® by Freddie Mac gives you the stability of a Conventional loan while funding your reno projects. For smaller upgrades, choose CHOICEReno eXPress^®.

EasyPath Renovation™

If you’ve got smaller home projects to tackle, EasyPath is a great choice. It’s specifically designed for projects completed through major retailers.

FHA 203(k)

FHA 203(k) gives you the flexible credit and down payment requirements that make FHA loans popular, all while funding your home renovations.

Find a Loan Originator

See What’s Possible

Fill out this form to get in touch with one of our Renovation team experts.

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Name*

Email*

Phone Number*

Property State*

Estimate Reno Amount (Renovations, improvements, and/or upgrades)*

Purchase or Refinance?*

Reason for Contact*

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Home Renovations

Why choose a Renovation Loan?

Fix It, Minus the Mayhem

What To Expect When You Renovate

Step 1: Apply

Step 2: Select Contractor

Step 3: Underwriting

Step 4: Closing

Step 5: LIP Account