Renovation Loans in Ocala & Central Florida
Buy it, fix it, love it --- all with one loan
In established Ocala neighborhoods and historic towns like McIntosh and Floral City, some of the best homes need a little vision. Renovation loans --- including FHA 203(k) and conventional renovation programs --- let you finance the purchase and the improvements in a single mortgage, based on the home's after-renovation value. It's how buyers turn 'almost right' into 'exactly right.'
Highlights
What to know about Renovation loans
- Finance purchase and renovations in one loan
- Qualification based on after-improved value
- FHA 203(k) and conventional renovation options
- Works for updates from kitchens to full remodels
- Also available for refinancing a current home plus improvements
Great Fit For
Who renovation loans serve best
- Buyers considering fixer-uppers in established neighborhoods
- Purchasers of older or historic homes needing updates
- Homeowners who want to renovate instead of move
- Investors improving properties (select programs)
FAQs
Renovation loan questions
Have a question about renovation loans? Call or text Loni at 352-598-1843.
All loan programs are subject to qualification, underwriting approval, and program availability.
What renovations can a 203(k) or renovation loan cover?
Most structural and cosmetic improvements qualify --- kitchens, bathrooms, roofing, flooring, HVAC, additions, and more. Luxury items like pools may be limited depending on the program. Loni will review your project scope and confirm what's covered.
Is a renovation loan harder to close?
It involves extra steps --- contractor bids, project review, and draw schedules --- but with an experienced guide it's very manageable. Loni coordinates the moving parts and keeps your timeline realistic from the start.
Explore more programs
Wondering if a renovation loan fits you?
Loni will review your situation and compare every program you qualify for --- with real numbers, side by side.