ABC UNITED FINANCE CORP
(703) 932-3905

  Renovation Loans for Homebuyers & Homeowners  

Finance Your Dream Home — Even If It Needs Work

Buying a home that needs updates? Want to remodel your current property? A renovation loan lets you purchase or refinance and roll renovation costs into one mortgage, giving you the flexibility to improve your home without draining your savings. At ABC United Finance Corp, we specialize in renovation financing across VA, MD, and DC, helping clients turn “almost perfect” homes into their dream homes.  
If you’re still exploring your financing options, you can also review our Conventional Loan Programsand FHA Loan Options to compare what works best for your situation. 



Renovation Loan Options We Offer  

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FHA 203(k) Renovation Loan  

Perfect for buyers who want to purchase a fixer‑upper or homeowners planning major repairs.

Benefits:

  • Low down payment
  • Finance purchase + repairs in one loan
  • Covers structural and cosmetic improvements
  • Great for first‑time buyers

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Fannie Mae HomeStyle® Renovation Loan  

Ideal for borrowers with stronger credit who want more flexibility.

Benefits:

  • Finance up to 95% of the improved value
  • Allows luxury upgrades (kitchens, additions, pools, etc.)
  • Primary, secondary, and investment properties eligible

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VA Renovation Loan  

For eligible veterans and active‑duty service members.

Benefits:

  • Little to no down payment
  • Finance repairs and improvements
  • Great for homes needing minor to moderate updates


What Can Renovation Loans Be Used For? 
Renovation loans can cover a wide range of improvements, including:

  • Kitchen and bathroom remodels
  • Flooring, roofing, and siding
  • HVAC, plumbing, and electrical upgrades
  • Room additions
  • Energy‑efficient improvements
  • Accessibility modifications
  • Structural repairs
  • Cosmetic upgrades

If it improves the home’s value or safety, it’s usually eligible.


How Renovation Loans Work
If you’re preparing to buy, visit our Mortgage Pre‑Approval page to get started.
  

Pre-Approval

Step 1 — Apply & Get Pre‑Approved

We review your income, credit, and goals to determine the best renovation loan option.

Step 2 — Choose Your Contractor

Select a licensed contractor and obtain detailed repair estimates.

Step 3 — Appraisal Based on “After‑Improved Value”

The appraiser evaluates what the home will be worth after renovations.  

Step 4 — Close on Your Loan

You close once, with renovation funds placed in an escrow account.

Step 5 — Renovations Begin

Contractors complete the work, and funds are released in stages.


Why Choose ABC United Finance Corp for Your Renovation Loan?

  • Local experts serving VA, MD & DC
  • Fast approvals and smooth processing
  • Experience with 203(k), HomeStyle®, and VA renovation loans
  • Direct communication with realtors
  • Personalized guidance from start to finish

We make renovation financing simple, clear, and stress‑free. 


Frequently Asked Questions

How much can I borrow with a renovation loan?

It depends on the loan type and the after‑improved value of the home. Many borrowers can finance up to 95% of the improved value.

Can I use my own contractor?

Yes — as long as they are licensed and approved by the lender.

Can I do the work myself?

Most renovation loans do not allow DIY work unless you are a licensed contractor.

How long do renovations take?

Most projects must be completed within 6 months of closing.

Can I buy a home that’s not move‑in ready?

Yes — that’s exactly what renovation loans are designed for.




What Our Clients Say:  

⭐⭐⭐⭐⭐ “ABC United Finance Corp made our renovation loan process incredibly smooth. We bought a home that needed major updates, and they guided us every step of the way.” — Greg M., Alexandria, VA

⭐⭐⭐⭐⭐ “Professional, responsive, and knowledgeable. They helped us finance a full kitchen remodel through a HomeStyle loan.” — Jason G., Arlington, VA

⭐⭐⭐⭐⭐ “As a first‑time buyer, the 203(k)-loan felt overwhelming, but ABC United Finance made it simple.” — Laurie L., Oxen hill, MD




Ready to Transform Your Home?  

Learn more about our team on our About Us page.  

Get Started TodayWhether you're buying a fixer‑upper or upgrading your current home, our renovation loan experts are here to help.

Call Us: 703‑932-3905 Apply Online: ZipEmail: support@ABCUnitedFinance.com
Use our Mortgage Calculator to estimate your monthly payment.


Renovation Loans in VA, MD & DC

ABC United Finance Corp proudly serves homebuyers and homeowners across Northern Virginia, Maryland, and Washington, DC — including Fairfax, Arlington, Alexandria, Loudoun County, Prince William County, Montgomery County, and Prince George’s County.