几乎每个房主都想过一个让自己的家更有吸引力的主意, more valuable, or to simply fit their living style better. Maybe you are the entertainer of the family, 举办大型家庭聚会，并希望厨房更开放，以便与家人有更多面对面的时间.  它将拥有所有定制的触摸，就像商用级电器一样, granite countertops, and an incredible kitchen island with an indoor grill. Oh, the possibilities are endless.

Or, maybe you are looking for that perfect home, in that perfect location, 有了这些完美的房屋骨架，需要一点想象力和一些翻新工作来创造你的梦想新家. You know the one. 建于80年代末，占地2英亩，有湖泊通道，有足够的空间供家庭宠物跑来跑去. Yeah, that one. With some remodeling it could be your new custom home.

But where do you start? At Arbor Financial, 我们提供两个伟大的装修贷款选择，以帮助您融资和更新您的家从单调到fab!

What is a renovation loan?

装修贷款为房主或潜在房主提供修缮所需的资金, update or renovate their home. 无论你的家需要小的装饰更新还是更大更复杂的装修, like a room addition, 新车库, or total remodel, Arbor Financial有装修贷款选项，可能是您的解决方案.

• Cosmetic Updates. Arbor金融翻新抵押贷款的目的是帮助借款人购买房屋以及为房屋改善提供资金，同时只有一次抵押贷款支付. It works like this, you find a house that sells for $150,000 and you plan on putting $50,000 into repairs and upgrades, 你的装修抵押贷款最高可达房屋购买价的97%，再加上修理费，在这种情况下是194美元,000*.

Arbor Financial翻新抵押贷款是为非结构和外观改进设计的，最高可达50美元,000 (e.g. 油漆, 地毯, 台面, 橱柜, 站, AC /加热, enhancing accessibility for a disabled person, windows or new roof). If you are looking to add an addition onto the home, knock down walls, 或者其他结构升级，那么建筑改造贷款将是可行的.

• Construction remodel. When you are considering a more extensive renovation, one that costs more than $50,000 or that involves structural work (additions, removing walls, 增加一个车库)，那么Arbor金融的建筑装修贷款可以帮助你. 

Benefit of the renovation loan

Arbor financial翻新贷款的最大好处是，与政府支持的FHA翻新贷款相比，您可以快速获得资金.

How do You qualify for a 首页 Renovation Loan

才有资格申请Arbor金融翻新贷款, 公寓, or manufactured house must be your primary residence. 然而，你可以购买一个2单元的复式公寓，只要你占据其中一个单位. 你可以借到房屋和升级总成本的97%(人造房屋略少)。. 信用评分在700分或以上的第二套住房也将符合高达90%的贷款价值比. Improvements are for up to $50,000 in non-structural work.

The best thing to do is work with your local mortgage lender 谁可以为您运行几个场景，并帮助您提供最佳的抵押贷款解决方案. 不要让过时的橡木橱柜阻碍你和你的家人购买一个完美的家, call us today 269.544.3105.
 
*subject to appraised value.