Buy and upgrade a fixer in one home loan.
Renovation loans such as FHA 203(k) programs let buyers or existing owners finance both the purchase (or refinance) of a home and the cost of qualified repairs or upgrades in a single mortgage. There are generally two flavors: Limited 203(k) options for smaller, non-structural projects with capped repair budgets, and Standard 203(k) loans for larger renovations that may require HUD-approved consultants. Funds for improvements are held in escrow and released as work is completed, so borrowers make one combined mortgage payment instead of juggling separate construction or personal loans.
No SSN required · Zero impact to credit · Never sold
You can combine the cost of the home and the planned renovation budget into a single financing path.
Buyers are no longer limited to homes that already look perfect or are fully updated on day one.
Well-planned improvements can raise the home's usefulness and its long-term value at the same time.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
It is used to buy and renovate a home, or in some cases refinance and improve one, using a single mortgage structure.
It helps them purchase a home with issues or needed upgrades without finding separate renovation financing.
Yes. That is the core value of the 203(k) structure.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.