Apply now
Get A Quote

Renovation Loans - Transform Your Home with Harris Team

At The Harris Team, we help homeowners and buyers secure Renovation Loans, a flexible mortgage solution that allows you to purchase or refinance a home while funding necessary repairs, upgrades, or improvements. Renovation loans combine the home purchase price or existing mortgage with the cost of renovations, helping you create the home you’ve always envisioned.

Get started

Contact Us

About Us

We understand that securing a mortgage can be daunting, and we are here to guide you through every step of the way. From the initial consultation to the final closing, Thomas Harris Mortgage Solutions is committed to offering expert advice and customized loan options that meet your unique needs.

Learn More

What Is a Renovation Loan?

A Renovation Loan is a type of mortgage that provides funds for home repairs or improvements as part of your financing. These loans are available for both:

• Homebuyers – purchase a fixer-upper and finance improvements

• Existing homeowners – refinance and fund renovations in a single loan

Renovation loans can cover a wide range of projects, from minor cosmetic updates to major structural repairs.

Benefits of a Renovation Loan

One Loan, Multiple Uses

Combine your home purchase or refinance with funds for repairs and upgrades, avoiding the need for multiple loans or high-interest personal financing.

Increase Home Value

Renovations can boost property value, improve functionality, and enhance your home’s appeal.

Flexible Eligibility

Available to first-time buyers, repeat buyers, and homeowners looking to refinance. Credit and income requirements are often similar to conventional mortgage guidelines.

Streamlined Process

Renovation funds are added to your mortgage, so you don’t have to manage separate construction loans or personal financing.

Common Renovation Projects Covered

Renovation loans can fund a wide range of improvements, including:

• Kitchen or bathroom remodels

• Roofing, siding, or structural repairs

• Energy-efficient upgrades

• Flooring, painting, and other cosmetic improvements

• Accessibility modifications or additions

Harris Team can help you determine which projects qualify and how to structure your loan to maximize funds for your renovation needs.

Types of Renovation Loans

FHA 203(k) Loan

Government-backed, designed for homebuyers or homeowners who want to finance repairs and improvements into a single mortgage. Offers both minor (Limited 203(k)) and major rehabilitation options.

Fannie Mae HomeStyle Renovation Loan

Available for primary residences, second homes, or investment properties. Can finance a wide range of renovations and may allow higher loan amounts compared to FHA options.

VA Renovation Loan

Available to eligible veterans, combining VA loan benefits with funds for home improvements. Our team will help you select the loan program that best meets your needs and financial goals.

Renovation Loan Requirements

While requirements vary by loan type, common eligibility factors include:

• Sufficient income and credit to support the mortgage

• Home inspection and approval of renovation plans

• Completion of renovations within a set timeframe

• Use of licensed contractors for major repairs

Harris Team guides you through all requirements and ensures the loan process is clear and manageable.

Why Work With Harris Team for Your Renovation Loan

When you choose The Harris Team, you gain:

• Expertise in renovation loan programs and eligibility

• Personalized guidance through application, approvals, and disbursement

• Support in planning renovation budgets and timelines

• Clear communication from start to finish

Our goal is to make financing home improvements simple, helping you create the home of your dreams without the stress of managing multiple loans.

Start Your Renovation Loan Today

If you’re looking to buy a fixer-upper or upgrade your current home, a Renovation Loan from Harris Team can make it possible. Contact us today to explore your options, get pre-qualified, and start planning your home transformation.

  • Financial Assessment: Review of your financial situation to determine the best mortgage options.
  • Pre-Approval: Efficient pre-approval process to give you a competitive edge in the market.
  • Loan Comparison: Comparison of loan options to ensure you make an informed decision.
  • Ongoing Support: Support and communication throughout the loan process and beyond.

Why choose us

Comprehensive Support

From pre-approval to closing, we provide comprehensive support and resources to make your home buying journey seamless and enjoyable.

Personalized Service

We believe in a personalized approach, taking the time to understand your financial situation and goals to offer the best mortgage solutions.

Expertise and Experience

With extensive knowledge of the mortgage industry, Thomas Harris brings a wealth of experience to help you navigate the complexities of home financing.

Transparency and Integrity

Honesty and transparency are at the core of our business. We ensure that you are fully informed and confident in your decisions throughout the mortgage process.

Contact us

All Services

  • FHA Loans
  • VA Loans
  • Conventional Loans
  • Renovation Loans
  • Reverse Mortgage
  • Bank Statement Loans
  • DSCR Loans

What Are People Saying About Us

Liana was super helpful to us as first time home buyers!

During our home buying process, Liana was super responsive and helpful. As first time home buyers, she was able to answer all the questions that we had, and was able to explain things in ways that we understood. She took the time to review documents and numbers, to ensure nothing was missed!

Thank you for everything Liana!!!

Julia W & Chaise H

Fort Myers, FL

Fantastic

So helpful. Explained everything. Walked through the process with me. Assisted in a process I was not familiar with my last home purchase. Couldn’t ask for a better lender.

taylornicolesauceman

Nashville, TN

Had a great experience working with Thomas on my second house.

He got me a great rate and helped me through the entire process. He is very knowledgable, friendly and easy to work with! I refer him to all my friends and family. Much appreciated Thomas for all hard works that you did.

Hafizullah Shinwari

Thank you Thomas. You are AWESOME !

I had the pleasure of working with Thomas Harris closing this real state deal – he is a thousand times over recommended by my wife and I. Thomas is cool headed, very professional, honest, and knows what he’s doing.

Srividya Subramanyam

First Time Buyer

My fiance and I were recommended from our landlord. We were first time home buyers. It was a very last night minute decision, it was a very, very, stressful situation but in the end we made it there. We signed the papers today and closed.

Lisa Larsen

Loveland, CO

Satisfied client

My husband and I had a wonderful experience working with Lindsey Miller on our mortgage loan. From beginning to end, she was informative, extremely thorough, and attentive to our document needs. We would highly recommend Lindsey and his company to anyone.

Djenny Sydney

Fayetteville, NC

Above Outstanding

Working with Lindsey exceeded our expectations! We couldn’t have asked to work with a better lender. Any future purchases will definitely be done through her! Extremely knowledgeable and answered all of our questions with patience and knowledge.

Mia Dove

Kingston, TN

Literally could NOT have had a better experience!

Tyler and his team partnered so incredibly well with our agent and ourselves. If we won the lottery, we would start buying houses for fun just to work with them again…and again…and again!

Steve Dutelle

Hopkinton, NH

Thomas was great.

My previous mortgage company tried to charge a lot of extra unnecessary charges. They wouldn’t lower my percentage eventhough I have been with them for years. Thomas humanized this whole process. No question I had was stupid. He responded quickly and made this process so much easier. He walked me through every step of the way. Thanks for a great service.

Ted Smith

Contact us today

Ready to take the next step in your home buying journey? Contact Thomas Harris Mortgage Solutions today to schedule a consultation and discover how we can help you secure the best mortgage for your needs.

Contact now

Helping families like yours achieve their dream of homeownership.

Loans

  • FHA Loans
  • VA Loans
  • Conventional Loans
  • Reverse Mortgage
  • Renovation Loans
  • Bank Statement Loans
  • DSCR Loans

Company

Newsletter

© Copyright 2026 The Harris Team, All Rights Reserved.

Made by KOVA