Renovate Smart. Finance Smarter.

The program works best for renovations of $75K or more. For smaller projects, a HELOC or personal loan may be simpler. Sean will help you determine the right structure based on your scope of work.

The appraiser evaluates what your home will be worth after the planned renovation is complete — based on your contractor's scope of work and comparable sales. You can finance up to 90% of that future value, which often means you need less cash upfront than you'd expect.

Your contractor must be licensed, insured, and provide a detailed scope of work with line-item budget. Sean's team reviews the bid to ensure it aligns with the appraisal. You can use your own contractor — no approved-list restriction.

Typical renovation periods are 6-12 months, depending on scope. During this time you pay interest-only on the drawn amount. Once the reno is complete, the loan converts to your permanent mortgage automatically.

Yes. Physicians can access renovation-to-permanent financing with physician loan benefits — including favorable DTI treatment of student loans. Sean structures these regularly for physicians upgrading to dream-home spec.

No FHA mortgage insurance premiums (saving you hundreds per month), no HUD consultant requirement, higher loan limits (jumbo-eligible), and faster processing. Sean's program is conventional — cleaner, simpler, and often cheaper long-term.

A HELOC requires existing equity, has a variable rate, and doesn't protect your renovation budget in escrow. Sean's renovation loan finances based on future value, locks your rate, and holds funds in escrow so your budget is protected.

Project Guardian's AI budget tracking catches overruns early. If a change order is needed, Sean works with you to adjust. A contingency reserve (typically 10-15%) is built into the original loan to cover unexpected costs.