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.
The whole team was very knowledgeable and professional. They gave full explanations about questions we had no matter the subject.
The renovation team was on-top of things with our contractor and made me feel confident that they would be an active participant in the process our renovation and expansion project.
Robert S
The whole team was awesome to work with! They were able to help us with a relatively complicated mortgage solution that enabled us to purchase our dream fixer-upper and fund all of the renovation work all in one simple product.
My wife and I would highly recommend the Luminate team to anyone else looking to take on a similar project.
Ethan A
Luminate was recommended to me and I'm so happy that I contacted them to refinance my mortgage for a cash out for home renovations.
They kept me apprised of all the steps along the way and made it easy and quick to get it done. Everything went smoothly and I highly recommend them for your financing needs.
Matt B
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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!
