Renovation Mortgages
Renovation Loans like FHA 203(k), HomeStyle, and Choice Renovation Mortgages are perfect for turning a fixer-upper into your dream home—all with one loan. These loans cover the purchase and renovation costs, allowing repairs to start right after closing. From structural upgrades to cosmetic updates, they’re ideal for primary homes, vacation properties, or investments.
Enables borrowers to purchase or refinance home and cost of rehab
15 & 30 year term
For purchases can use with Temporary Rate Buydown
As low as 3% down for first time homebuyers, 3.5% for FHA and 0% down for USDA
Can be used for primary, vacation and investment properties
Ability to add a pool or ADU after closing
Eligible properties include single family, townhomes, condos, multi-unit up to 4 (Primary only), manufactured/modular homes
Borrower cannot be related or have a business affiliation with contractor
A Renovation Loan makes it easy to buy and transform a fixer-upper into the home or investment property of your dreams. Ready to get started? Contact me today, and let’s find the perfect loan to bring your vision to life!
Construction to Perm Mortgage
Construction-to-Permanent Loans streamline the process of building your dream home by combining construction financing and a mortgage into one. With a single closing, this loan transitions seamlessly from funding the build to becoming a long-term mortgage. It’s a flexible option for primary homes, vacation properties, and investments!
Can include cost of acquiring land, construction of the home
Get to choose design and customization
New construction has lower maintenance costs
Energy efficient
Latest smart home technology
Can be used with conventional, FHA, VA, USDA, Investor Loans
Converts to permanent mortgage after construction completed.
Down payment as low as 3% and zero down payment for VA/USDA
Credit score from 620+
Ready to get started on your project? Contact me today, and let’s make your dream a reality!
No Pool? No Problem!
Have you been looking at homes that only have pools. Did you know you could purchase a home and install after closing with just one mortgage!
With our CHOICE Renovation Mortgage, you can buy a new construction or resale home and add a pool after closing—all in one easy payment.
✅ As little as 3% down for first-time buyers
Our team will guide you every step of the way to transform your backyard into your personal oasis. Don’t wait—make your dream a reality today!
© PMF, Inc. | NMLS# 1980
Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender
All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Pioneer Mortgage Funding, Inc is an Equal Opportunity Mortgage Broker headquartered in Tampa, Florida. This licensee is performing acts for which a mortgage broker license is required. PMF, Inc is licensed by the Florida Office of Financial Regulation, NMLS# 1980. Pioneer Mortgage Funding, Inc. is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. Pioneer Mortgage Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA.
Corporate Address:
142 W. Platt St
(855) 525-9070
