Home Renovation Loans

FHA 203k Loan – If you plan to purchase a fixer-upper or renovate your existing home, an FHA 203k loan may be the perfect loan for you. FHA 203(k) loans are backed by the federal government, and are a great loan option for those who want to purchase a home and perform upgrades, repairs, remodel or customize to their needs and wants.

Fannie Mae HomeStyle® – The Fannie Mae HomeStyle renovation loan allows you to either purchase a new home or refinance your existing home and make personalized improvements with one loan closing. The cost of your personalized improvements is placed in an interest-bearing Escrow account and disbursed as the work is completed and inspected. The HomeStyle loan does not have any minimum amount of improvements or any restrictions on the type of repairs that can be included in your loan. The only requirement is that any improvement must be permanently affixed to the property and adds value to your property. HomeStyle allows you to build home equity while increasing your comfort and enjoyment in home ownership.

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Finding the Perfect Home Renovation Loan

Thousands of consumers across the United States are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2022 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a new mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around credit issues with Top Rated Specialists

The FHA 203K Mortgage team is celebrating its 24th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in a variety of renovation programs.  Check out consumer home buyer options, FHA grants and our Refinance options.

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    “Michelle is a rock star. We have been looking for a home and didn’t know where to begin with the process. I researched online to find a broker and started the process. Michele reached out to be fast and begin to help me sort out what was needed. She is on top of every step and people involved and very personable. We have our new home and did it all in 5 weeks start to close. What an amazing experience and professional person. Thanks so much”!!!

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    “Jon was an outstanding person with whom my wife and I were able to get our refi done. Whether it’s to do another refi in the future, or should we find ourselves moving, Jon’s the person we’re going to call to help us out with our future financing needs”.

    Gerald B – Bolingbrook, IL

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    “Tony is great…from the beginning he knew that I had bad credit and that I had already been promised false hopes with other companies.  I advised him that I wanted the truth and did not want to waste his time or mine.  He gave me exactly that, he reviewed my situation advised me of the type of loan I would qualify for and the terms/expectations based of my credit score and there were no surprises through out the entire process.  I will be reaching out to him in the next few months for my next steps.”