Roll the purchase (or refinance) and the renovation into a single loan — and turn a fixer into the home you actually want.
The right house in the right neighborhood often needs work. Renovation loans let you finance the purchase and the improvements together, based on the home's value after the work is done — so you're not draining savings or juggling a separate construction line.
We arrange more than ten renovation options across our lending partners, from light cosmetic updates to full gut rehabs, for both buyers and existing homeowners.
Finance the purchase and the work in one loan, based on the after-renovation value.
Existing owners can roll a remodel into a single new mortgage.
Win the home that needs work without draining savings or juggling a construction line.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Anything from kitchens and baths to structural repairs, additions, roofs and systems, depending on the program.
No — funds are drawn as the project hits milestones, so you're not financing the whole remodel out of pocket.
One. The purchase (or refinance) and the renovation are combined into a single mortgage with one closing.
Most programs require a licensed contractor and a documented scope and bid. We'll walk you through the requirements.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.