Renovation Loans
Imperium Renovation Loans let you buy a fixer-upper in your ideal neighborhood and roll custom upgrades directly into your mortgage with one closing transaction.
Equal Housing LenderRenovation loans allow you to purchase or refinance residential properties that need repairs or improvements, with the renovation costs built into the mortgage. These programs cover everything from cosmetic updates to major structural work.
HomeStyle®, FHA 203(k), portfolio renovation, cash-out refinance, and home-equity alternatives have different occupancy, property, project, appraisal, borrower, and documentation requirements. Government programs are limited to eligible owner-occupied scenarios, and current availability requires licensed review.
The Power of Future Equity
Renovation-program mortgage calculations may use the lesser of applicable acquisition and improvement costs and program-defined appraised-value calculations. An independent appraisal, not this website, determines the as-completed value. Program, occupancy, property, project, and underwriting requirements still apply.
Imperium Mortgage
Start with the property location, current value, and estimated renovation budget.
Inspiration to Reality
Perfect for residential before-and-after updates: kitchens, bathrooms, flooring such as carpet or luxury vinyl plank, and fresh paint throughout, all without altering the home's primary footprint.
FHA Limited 203(k): Eligible minor remodeling and nonstructural repairs may include up to $75,000 in total rehabilitation cost, subject to current FHA policy and complete review.
Designed for home-scale work: repairing foundations, replacing aging roofs, expanding existing layouts, or building tasteful additions that improve how the property lives.
Our Expertise: Full-scale construction oversight and agency frameworks built to manage complex escrow schedules safely.
Unlock hidden square footage and equity potential by constructing a detached Accessory Dwelling Unit (ADU), finishing underused space, or adding flexible living areas.
The Advantage: Conventional equity-maximizing solutions tailored to leverage alternative space layouts or rental options.
Educational Program Explorer
The categories below are educational only. They do not determine eligibility, approval, available terms, or pricing.
For eligible minor remodeling and nonstructural repairs on an eligible primary residence. The current maximum total rehabilitation cost is $75,000, subject to current FHA policy and complete program review.
Published FHA Limit: $75,000 maximum total rehabilitation cost, subject to current FHA policy
Formulated for full structural transformations, additions, or deep architectural rehabilitations. Requires an approved HUD consultant to oversee the draw disbursements, ensuring regulatory compliance and project completion safeguards.
Review Required: Borrower, property, project, appraisal, and current FHA requirements
Our most adaptive construction track. Authorized across primary residences, secondary structures, and single-unit investment assets. Permits luxury additions, landscaping, and structural configurations up to standard conforming limits.
Vesting Check: Personal Names Only (No Corporate LLCs)
Renovation FAQ
Some renovation programs use program-defined calculations involving acquisition or current value, eligible improvement costs, and an independent as-completed appraisal. The website does not determine value or available financing.
You choose your own licensed, insured contractor.
Funds are held in a managed escrow account and disbursed as work is completed and verified by independent inspectors.
Yes. Renovation structures can be reviewed for primary residences, second homes, and single-unit investment assets, subject to program eligibility and underwriting.
No. You can use the renovation model to review scenarios without a hard credit pull. Formal underwriting requires a complete application and credit report.
Preliminary Educational Filter & Disclosure
The Renovation Architecture Tool is an educational planning aid. It does not self-certify legal compliance or determine program eligibility, approval, available terms, or pricing.
Dynamic quotes and scenario models generated via this interface act as informational pricing models for borrower education only. They do not constitute a formal Loan Estimate, a credit decision, or an explicit offer/commitment to lend.
"As-Completed" values used in this modeling tool are informational estimates. Final eligibility, loan-to-value limits, and funding amounts are strictly determined by formal appraisal review and underwriting.
Credentials can be independently verified through the official NMLS Consumer Access Portal.
You connect with an originator to map out your budget and review your structural eligibility with no credit pull required to get started.
You work with a licensed contractor of your choice to gather detailed, line-item bids and specs for the intended project scope.
An independent appraiser reviews the property alongside your contractor's architectural blueprints or bids to establish the home's future "As-Completed" value.
We close your loan in a single transaction. The funds to purchase the underlying home go to the seller, and the renovation funds are securely held in a managed escrow account.
Your contractor begins construction. Draw timing and disbursement depend on the selected program, completed work, required inspections, documentation, and servicing procedures.
Next Step
A licensed originator will walk you through the program, review your scenario, and explain the planning assumptions - with no credit pull required to get started.