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    Finance Your Renovation Based on Future Value

    Traditional lenders look at what your home is worth today. RenoFi loans are based on what your home will be worth after renovation — giving you up to 2x more borrowing power.

    Compare Borrowing Power

    Traditional HELOC

    $50,000

    RenoFi Loan

    $150,000+200%
    Why RenoFi

    Renovation Financing, Reimagined

    Borrow Based on Future Value

    RenoFi loans are based on your home's after-renovation value, not its current worth — unlocking significantly more borrowing power.

    Keep Your Existing Mortgage

    Unlike cash-out refinancing, RenoFi lets you keep your current low-rate mortgage while adding renovation financing on top.

    Faster Than Construction Loans

    Traditional construction loans require multiple closings and disbursements. RenoFi closes once, typically in 30-45 days.

    No Contractor Requirements

    Use any licensed contractor you choose. RenoFi doesn't require specific builders or draw schedules like traditional renovation loans.

    RenoFi Advantage

    Compare Your Financing Options

    RenoFi Home Equity

    Recommended
    Borrow more based on after-renovation value
    Keep existing mortgage rate
    No draw & inspections during construction
    No down payment required
    Variable and fixed rate options available

    Traditional Home Equity

    Borrow more based on after-renovation value
    Keep existing mortgage rate
    No draw & inspections during construction
    No down payment required
    Variable and fixed rate options available

    Cash-out Refinance

    Borrow more based on after-renovation value
    Keep existing mortgage rate
    No draw & inspections during construction
    No down payment required
    Variable and fixed rate options available

    Construction Loan

    Borrow more based on after-renovation value
    Keep existing mortgage rate
    No draw & inspections during construction
    No down payment required
    Variable and fixed rate options available
    Calculator

    See What You Could Borrow

    Enter your home details to estimate your RenoFi borrowing power.

    RenoFi Calculator Coming Soon

    We're integrating the RenoFi calculator directly into Forma. In the meantime, explore financing options with our partners.

    Ready to See Your Renovation Potential?

    Paste a Zillow link to get started with renovation previews and financing estimates.