Affordable Home and Renovation Financing – All In One Loan

Affordable Home and Renovation Financing – All In One Loan

Are you looking to transform a fixer-upper into your dream home? We’ve teamed up to bring you the ultimate solution – 3-Step Reno and Freddie Mac's Home Possible®!

We’ve made it easier for more borrowers to qualify by including the advantages of Freddie Mac’s Home Possible® program in conjunction with our 3-Step Reno product.

Unlock the full potential of your property without the hassle and stress typically associated with renovations. Whether you're looking to update your kitchen, add a cozy new bedroom, we’ve got you covered!

First-time homebuyers may qualify for renovation funds with as little as 3% down payment via 3-Step Reno and Home Possible® (97% Loan-To-Value ratio (“LTV”) with Freddie Mac® Conforming Fixed Rate).

3-Step Reno makes updates easy! Funds are used at local big box store for new appliances or other upgrades like a kitchen refresh or flooring update. Choose from the store's list of approved contractors in addition to project materials. Wait until it's move in ready – you don't have to occupy the home during renovations. The borrower must occupy the property within 60 days of the last disbursement, giving you time to move in AFTER the renovations are completed.


Program Highlights:

  • Minimum loan amount: $25,000
  • Up to 97% LTV of the “as-completed” value;
    • Up to 95% LTV for high balance, manufactured homes and co-ops
  • 85% LTV on a 1-unit investment property; 90% on a 1-unit second home; not applicable to Home Possible® products
  • Minimum credit score of 620


Why choose 3-Step Reno? Here are just a few reasons:

  • Convenience: Say goodbye to the lengthy and complex renovation process! 3-Step Reno simplifies the entire journey, making it easier than ever to bring your vision to life.
  • Competitive Rates: Unlock affordable financing options tailored specifically for your renovation needs. We've partnered with Freddie Mac®, a trusted name in the industry, to provide you with rates and terms available with Home Possible®.
  • Streamlined Process: Our experienced team of experts is here to guide you through every step of the way. From the initial consultation to the final inspection, we'll ensure your renovation journey is smooth and stress-free.
  • Flexibility: Whether you're a first-time homeowner or a seasoned pro, 3-Step Reno caters to your unique situation. We offer a range of flexible financing options to suit your budget and preferences.
  • Trusted Partners: Benefit from our extensive knowledge, expertise, and commitment to exceptional customer service.
  • Enhanced Home Value: A well-executed renovation not only enhances your living space but can also increase the value of your home. With 3-Step Reno, you're investing in your future and building equity with every improvement you make.


As home prices remain high, homebuyers are increasingly looking at older, more affordable homes that can be fixed up or customized to their liking.

We have the expertise and hands-on know-how to guide you through whatever your business needs are, and help you build your success.

Don't wait another day to turn your house into the home of your dreams! Our dedicated team is eager to help you take the first step towards transforming your property into your dream home. Contact us now to learn more about 3-Step Reno.

Get started today!