San Diego Remodeling Loans


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We specialize in keeping families in their homes, school districts, friends and communities they love while remodeling your existing home into your dream home.

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In Today’s housing market some homes need renovation. While some homes need repairs to bring them up to code, some need to be brought to the 21st century and others just need a touch of style to appeal to buyers.


A Renovation Mortgage allows a home buyer or homeowner to renovate a home and roll the cost of most home improvements into one mortgage loan. 


This is 1 mortgage, 1 interest rate and 1 monthly payment.


In San Diego, Home buyers have several choices when it comes to renovation mortgages.

Carl was very flexible and giving of his time.

We took their advice and have had the most wonderful transition to our new home. ~Tiffany & Kevin S.

Another painless transaction! Smooth as silk…thanks much! ~Keith S.

Liked the program and the staff. They made me feel at ease when I was at an all-time stress high. ~Maria S.

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Differences between 203k and Homestyle Renovation Loans

HomeStyle Renovation Home Loan

The HomeStyle Renovation Mortgage enables a borrower to obtain a purchase mortgage or a limited cash-out refinance mortgage and receive funds to cover the costs of repairs, remodeling, renovations or energy efficient improvements to the property.

With as little as a 5% down payment you can add your taste & style to a house to make it your home with remodelling projects like a new kitchen, bathroom, room addition or energy efficient upgrades. HomeStyle Renovation allows you to buy a home and fix it up, or refinance and remodel your current home.


  • Purchase or refinance & remodel
  • 5% minimum down payment for primary, single-family residences (10% for second homes)
  • You can use gift funds for down payment & closing costs for owner occupied, primary residences after you contribute a minimum 3% down payment
  • 3% seller contribution allowed
  • Allowable improvements can include landscaping, appliances, remodel swimming pools and more
  • Cosmetic and structural renovations allowed

FHA 203k Home Improvement Loan

One of the most popular and diverse home improvement loans is the FHA 203k. You can make home improvements to the house you want, or the home you already own. Use the funds for simple upgrades to your home like a kitchen or bath improvement, or to completely reconstruct a home that is presently unlivable. 

You can even use a 203k Rehabilitation Loan to tear down an existing structure and build a new one using some portion of the existing foundation. You can borrow up to 96.5% of the appraised value – based on the value when the improvements or repairs are completed. 

With the FHA 203k you can: 

  • Replace a roof 
  • Re-side the home
  • Re-paint inside and outside of the house 
  • Replace appliances 
  • Put in new flooring 
  • Build or replace a deck/patio/porch Replace windows 
  • Remodel the kitchen 
  • Repair or replace the septic system

Before Renovation

Before Renoation

Before Kitchen Remodel 

After Renovation

After Renovation

After Kitchen Remodel

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6333 Greenwich Drive, Suite 205
San Diego, CA 92122
Office: 858.526.3037
Fax: 858.526.3031
Ark-La-Tex Financial Services, LLC NMLS ID 2143

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