Rehab & Structural Construction Loans
Starting As Low As X.XX% / X.XX% APR*
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Want to Fast-Track Your Renovation or Fixer-Upper?
At Equinox Home Financing, we help buyers and investors turn distressed properties into livable homes and viable assets without juggling multiple loans.
- Finance the purchase and renovation costs with one loan
- Access to government-backed and conventional renovation mortgage programs
- Eligible for cosmetic updates, major systems, and structural repairs
- Options for owner-occupied homes, fix-and-flips, and long-term investment properties
- Renovation funds are released through draws as work progresses
If you’ve been denied a mortgage loan due to a property’s condition, we’re here to offer a path to ownership with this specialized financing.
See if your distressed property qualifies today. Whether you are restoring a primary residence or pursuing a fix-and-flip strategy, our renovation programs offer practical solutions built around the property’s potential.
How It Works
Call or Apply Online
Get Approved
Close and Fund
Equinox Makes Financing Easy for Rehab Properties
We specialize in renovation mortgages and construction loans. Let us guide you through the complexities of rehab loans, drawing on deep experience with contractor coordination, inspections, and draw schedules.
Why Choose a Rehab Structural Construction Loan:
- Deep experience with FHA renovation loan options and conventional rehab programs
- Flexible solutions for structural and non-structural improvements
- Efficient draw management to keep your construction on schedule
- Expertise in renovation and rehabilitation loan programs
- Dedicated support before, during, and after closing
We are the Alternative Mortgage Financing Experts.
At Equinox Home Financing, we’ve helped thousands of borrowers purchase and refinance homes using some of the industry’s most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What Is a Rehab or Renovation Loan?
It is a mortgage that provides funds to improve a property. This single-loan solution includes money for construction work, whether you are purchasing a property or refinancing your current home to fund renovations.
- Combines home purchase and repairs into one renovation mortgage
- Designed for fixer-uppers and distressed properties
- Available to homeowners and investors
Tailored specifically for properties that might not qualify for traditional financing, rehab loans eliminate the need for juggling multiple loans or tapping into existing equity through a refinance.
What Types of Repairs Can Be Financed?
Highly customizable, rehab loans can cover a comprehensive scope of work, from minor upgrades to major structural overhauls.
- Cosmetic updates such as kitchen and bathroom remodels, new flooring, and painting
- Major systems, including HVAC, plumbing, and electrical
- Structural repairs such as foundation work, framing, and roofing
What Is an FHA 203k Loan?
It is a government-backed rehabilitation loan for primary residences.
- For borrowers planning to live in the home
- Down payment as low as 3.5%
- Must use licensed contractors
- Based on the after-renovation value
With more flexible credit requirements compared to conventional loans, 203k loans are more accessible for many borrowers. They come in two types: a Limited 203k for minor repairs and a Standard 203k for major structural work.
Other government-backed renovation options are available for eligible veterans (VA loans) and for properties in qualifying rural areas (USDA loans).
What Is the Fannie Mae HomeStyle Renovation Loan?
An alternative to FHA rehab programs, it is a conventional renovation mortgage option with broader eligibility for different property types.
- Used for primary residences, second homes, or investment properties
- Approval and loan amounts are based on the after-renovation value of the property
- Higher credit score requirements than FHA options (typically 620+)
- May allow for luxury upgrades not covered by FHA programs
Other conventional renovation mortgages include the Freddie Mac CHOICERenovation loan.
How Are Renovation Funds Paid Out?
Rather than a lump sum, funds are managed through a draw process to protect the project’s integrity and ensure contractor performance.
- Renovation funds are held in an escrow account at closing
- Money is released in stages as project milestones are met
- Professional inspections verify the progress before each draw is released
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There’s no need to wait any longer. Get financing now!
*Disclaimer: Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 1/16/26 and is based on a cashout, 50% LTV, 800 FICO, $500,000 loan amount, 1.5 DSCR ratio, and a 5 Year Prepayment Penalty. Example: $500,000 X 8.375% /8.509% APR= $3800.36 P&I monthly payment.