make it yours with a
Renovation Loan
Sometimes the perfect home isn’t move-in ready, but that doesn’t mean it’s out of reach. Whether you’re buying a home that needs work or updating the one you already own, Luminate Bank offers renovation loan options that make it easier to transform potential into reality.
What Is a Renovation Loan?
A renovation loan allows you to finance the cost of home repairs, improvements, or remodeling projects—often rolled into your mortgage. This means one application, one loan, and one monthly payment.
At Luminate, we work with both standard and streamlined renovation programs, including the FHA 203k loan—one of the most popular renovation loan options available.
FHA 203k Loans
Offered by approved FHA 203k lenders like Luminate, this government-backed loan lets you purchase (or refinance) a home and roll in the costs of repairs or upgrades, everything from new roofing and appliances to kitchen overhauls and accessibility features.
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Our team is available to review your specific situation and financing options, whether you already own the land, want to purchase land and use your own builder, or refinance a renovation, and more!
