Renovation Loans

Combine the purchase price of a home and the cost of renovations into a single, convenient mortgage.

What is a Renovation Loans?

A Renovation loan (such as the FHA 203(k) or Fannie Mae HomeStyle) allows you to finance both the purchase of a property and the cost of necessary repairs or upgrades through a single mortgage loan.

The loan amount is based on the projected "after-improved" value of the home, rather than its current condition. This is an excellent tool for buying fixer-uppers in great neighborhoods or customizing a dated home to your exact tastes without draining your savings.

Best For Which Buyers?

Fixer-Upper Buyers: Those willing to put in the work for instant equity.
Current Homeowners: Those wanting to refinance and remodel their existing home.
Buyers in Tight Markets: Those expanding their search to homes that need TLC.

Key Benefits

• One application, one closing, one monthly payment
• Loan amount based on future value, not current value
• Preserve your cash savings
• Build instant equity by improving the property

Why Work With Jorge Rosabal?

At South Atlantic Financial Services, we understand that financing your home is a major financial decision. As a local expert serving Miami, the Florida Keys, and South Florida, Jorge Rosabal provides personalized guidance tailored to your unique financial goals.

30+ Years Experience

Over three decades of proven success in the mortgage industry.

Local Expertise

Deep understanding of the Florida real estate market and unique property types.

Competitive Rates

Access to a wide variety of loan programs to find the best rate for your situation.

5-Star Service

A commitment to clear communication and a stress-free closing process.

Fast Approvals

Streamlined processing to get your loan closed quickly and efficiently.