Home Improvement Financing
Finance Your Home Improvement Project
Renovate now. Pay over time. Use your home's equity to fund the project — without draining your savings.
- Fast pre-qualification
- Multiple financing options
- Local Florida experts
- No obligation
Checking your options takes about 2 minutes and won't affect your credit score.
Why Homeowners Finance Improvements
Increase your home's value
The right upgrades can add lasting resale value to your property.
Complete projects sooner
Start the work now instead of waiting years to save up.
Keep your savings intact
Fund the project without emptying your emergency reserves.
Predictable monthly payments
Know your payment up front — no surprise balloon costs.
Often better than credit cards
Home-secured financing typically carries far lower rates.
Handle repairs immediately
Roofs, HVAC, and plumbing can't wait for the perfect moment.
Financing Options for Your Project
Every project is different. We'll match you with the structure that fits your equity, timeline, and budget.
HELOC (Home Equity Line of Credit)
A revolving credit line secured by your home. Draw what you need, when you need it.
Best for: Phased or ongoing projects where costs come in stages.
- Flexible draws
- Pay interest only on what you use
- Reusable credit line
Home Equity Loan
A one-time lump sum with a fixed rate and fixed monthly payment.
Best for: One large project with a known, fixed cost.
- Fixed rate
- Predictable payment
- Funds delivered up front
Cash-Out Refinance
Replace your current mortgage with a larger one and take the difference in cash.
Best for: Larger renovations, especially if you can improve your current mortgage terms.
- Access larger amounts
- One single mortgage payment
- Long repayment horizon
FHA 203(k) Renovation Loan
A government-backed loan that combines the purchase or refinance and the renovation cost into one loan.
Best for: Buying a home that needs work, or major structural renovations.
- Finance the work into the mortgage
- Flexible credit guidelines
- Great for fixer-uppers
Fix & Flip / Investor Rehab
Short-term financing built for investors renovating a property to sell or rent.
Best for: Investment properties and rehab-to-rent or resale projects.
- Speed to close
- Rehab budget included
- Asset-focused underwriting
Compare at a Glance
| Option | Best for | Rate type | Funding | Typical use |
|---|---|---|---|---|
| HELOC | Phased projects | Usually variable | Draw as needed | Ongoing upgrades |
| Home Equity Loan | Fixed-cost projects | Fixed | Lump sum | Kitchen, roof, addition |
| Cash-Out Refinance | Large renovations | Fixed or adjustable | Lump sum | Full remodel |
| FHA 203(k) | Homes needing work | Fixed | Escrowed draws | Major rehab |
| Fix & Flip | Investors | Short-term | Draw schedule | Resale or rental rehab |
Programs, rates, and terms vary by lender, property, credit profile, and equity position. This comparison is for general education only and is not a commitment to lend.
Projects We Help Finance
How It Works
- 1
Tell us about your project
Share the basics — takes about 2 minutes.
- 2
Review your options
A licensed specialist walks you through what fits.
- 3
Get approved
We collect documents and structure the financing.
- 4
Fund your project
Funds are delivered so the work can begin.
Contractors & Strategic Partners
If a contractor or partner sent you here, you're in the right place. We work directly with home-improvement professionals so their clients get clear financing answers fast — with no pressure and no obligation.
Partner With UsFrequently Asked Questions
Will checking my options affect my credit score?
Starting a request is a soft process — we only pull credit with your permission once you decide to move forward.
How much equity do I need?
It depends on the program. Some options work with modest equity, while others require more. A specialist will review your situation and explain what's realistic.
How long does financing take?
Timelines vary by program and documentation. Many home equity options close in a few weeks; renovation loans can take longer because the scope of work is reviewed.
Can I finance an investment property?
Yes. We offer investor-focused options for rehab, resale, and rental improvement projects.
Do I need to use a specific contractor?
For most equity options, no. Renovation loans like the FHA 203(k) do require a licensed contractor and an approved scope of work.
Is Casa Nova Lending licensed in Florida?
Yes. Casa Nova Lending is a licensed mortgage broker serving homeowners throughout Florida.
Ready to Start Your Project?
Get clear, honest financing options from a Florida team that answers the phone.
See My Options