Renovation Loans

F Purchase p Refinance Apply Now

Do you own your home but are starting to outgrow your space? Want to remodel your kitchen or add a bathroom? Our Liberty Financial renovation loan would be perfect for you to accomplish all your fixer-upper needs! This loan is designed for those who want to purchase or refinance with repairs or improvements having only one loan and one closing.

  • Finance up to 95% of appraisal value subject to the home improvements
  • For loan amounts up to $510,400 or less1
  • Primary residence and 1-unit single family dwellings only
  • Available with 3/1, 5/1, 7/1, and 10/1 adjustable rate mortgage (ARM) options
  • Available for 15, 20, and 30-year fixed conventional terms
  • Cosmetic and structural renovations are permitted
  • Must have itemized bid, plans, and specifications for the renovation
  • Renovation must be completed by a licensed general contractor2

Our renovation loan is designed specifically with the needs of you, the homebuyer in mind. For more information, contact Liberty today at 1 (833) 226-4007.

Get started with your renovation loan today! Apply Now
What information will Liberty need to process my application?
  • Prior two years addresses and dates of residence.
  • Social Security number or tax ID.
  • Driver’s license or state issued identification card.
  • Prior two years employment information including employer contact and dates of employment.
  • Most recent W2 and pay stub for all income sources.
  • Two years federal tax returns, including tax applicable schedules if you are self-employed, have rental income, farm income or additional non-W2 reported income.
  • Alimony, child support or separate maintenance documentation if you wish to have it considered as basis for repaying this obligation.
  • Additional information may be required such as Divorce decree (if applicable) and/or proof of extra income such as rental income, dividends, Social Security, retirement, disability, pension, or welfare (supporting documentation is required).
  • Balance owed on all liens attached to the property including all mortgages as well as any home equity loans or lines of credit.
  • Most recent mortgage statement (if applicable).
  • Most recent property tax bill.
  • Most recent hazard insurance declaration page.
  • Most recent flood insurance declaration page (if applicable).

1Up to 95% LTV determined by appraisal subject to improvements. 2General Contractor/Contractor must be approved by Liberty Financial. Principal and interest payment begins at the closing of the loan. Construction administration fees may apply.