Home Renovation Loans with AnnieMac Home Mortgage

Know Your Options

FHA 203k

The Standard FHA 203k allows for home buyers and homeowners to renovate their house while financing it into their mortgage. This can be done with a new home purchase as well as a refinance of an existing home.
FHA Limited

The FHA Limited 203(k) Rehabilitation Loan is for non-structural, smaller projects like kitchen remodels, flooring changes, or outdoor deck installations, enhancing both homeowner enjoyment and home value.
FannieMae Homestyle

The Fannie Mae HomeStyle renovation loan can be used for new home purchases or refinancing, including luxury renovations like pools and saunas. Unlike the FHA 203k, it also applies to second homes.

Your Options: Quick Information

FHA 203k
FHA Limited
FannieMae Homestyle

Minimum Credit
600
600
620

Debt to Income
55%
55%
AUS Approved

HUD
Consultant Required
Consultant NOT Required
Consultant NOT Required

Draws
Up to 5
2 Allowed
None

Repairs
$5,000 - unlimited
No minimum - $35,000
≤ 75% of "as-completed" value (1-unit Owner Occupied)

Down Payment
3.50%
3.50%
3%

Occupancy
Primary Occupancy Only
Primary Occupancy Only
Primary Occupancy Only

Properties
1-to-4 family dwellings, FHA condos, manufactured homes built after 1978, mixed use.
1-to-4 family dwellings, FHA condos, manufactured homes built after 1978, mixed use.
1 unit Residence, 2 unit residence.

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Renovation Loans

AnnieMac’s Renovation Loans offer a solution

Know Your Options

Your Options: Quick Information

Make Your Dream Home