Get access to 11x more borrowing power, using After Renovation Value

Better rates, longer terms, more savings, and all about YOU.

10x easier than a construction loan - no draws or inspections.

This will not affect your credit score

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What homeowners are saying about RenoFi

Excellent communication

“Do your homework, we did and I have to say I am 100% satisfied. Not only are we getting an addition we have been saving up for 5 years to start, but this allowed us to have a big increase in the value of our house and greatly improved the 1941 construction.  There was excellent communication at every step and Renofi handled all of the heavy lifting for the loan procurement.” 


Wendy Williams,

Very thorough

“This process was very helpful. Although a long process it was very thorough. I was confident we were sure to get a loan. Thank you RenoFi for getting us approved and our loan funded! The Armijo’s.”


Emily Armijo,

They worked hard and got me approved

“Great experience with Renofi. After a bad experience with my personal bank I tried RenoFi who found me a great loan with a great rate. It took a little longer than I expected but at the end it was worth it They worked hard and got me approved. Thank you RenoFi!”


Pastor Servio Mendez,

Opened up options I didn't know existed

“The RenoFi team has been great to work with - every person has been professional and well informed to help you feel comfortable with your options and choices. A renovation can be (usually is!) an intimidating and stressful process - especially the financing/borrowing. RenoFi opened up options I didn't know existed and connected us with a great lender. Thank you RenoFi team!”


Don B,

Read more reviews

RenoFi has helped thousands of homeowners across the United States

A traditional home equity loan or home equity line of credit (HELOC) allows you to borrow against the current value of your home, whereas RenoFi Loans allow you to borrow against the after renovation value, or future value of your home. For homeowners who have been in their homes for 10+ years, borrowing against current home equity is fine because they’ve built up a lot of equity over the years and don’t have as large of an outstanding mortgage balance. But for recent homebuyers, a true renovation loan often offers higher borrowing power. It is important to note that if you take a RenoFi Loan there is no guarantee your home will increase in value and, in rare cases, you may owe more than your home is worth.

RenoFi Loans do not require draw schedules, inspections or refinancing, like typical construction loans do. Many contractors prefer not to work with construction loans because of these in-depth requirements. Read this article to learn more about the differences between RenoFi Loans and construction loans.
No, we’ve designed RenoFi Loans in a way that makes life much easier for homeowners & their general contractors. The entire loan amount is made available by the lender upfront, giving them more flexibility during the renovation process After the renovation is completed, the appraiser visits the home to issue a certificate of completion. Read more about the differences between RenoFi Loans vs other loan types.
Yes, but you should complete your refinance before you officially start the RenoFi application process with our lender. We also encourage you to get started by looking at our application checklist.

Longest Terms, 
Lowest Rates

Terms up to 20 years. Rates are based on the After Renovation Value.


RenoFi matches homeowners to the best financing product for their project. 

Up Front

Once approved, homeowners receive 100% of cash up front. No draws, no inspections.

No Refinancing 

Have a great rate locked in your first mortgage? 
No problem!


Get the most money 
and lowest monthly 
payment for your renovation

Frequently Asked Questions

See your Loan Options 
tell us about your project and instantly learn how much you can borrow for your renovation 

funded and funding

Thousands of projects & over

$ 1 billion


This will not affect your credit score