FHA 203(k), HomeStyle, CHOICERenovation & construction loans in the East Bay. Finance purchase + rehab with one loan. Get pre-qualified with Katrina Carter.
Katrina Carter, Senior Mortgage Advisor
Empire Home Loans
Phone: (510) 213-2677
Email: [email protected]
NMLS# 1737872
Company NMLS# 1839243
FHA 203(k), HomeStyle, CHOICERenovation & construction loans in the East Bay. Finance purchase + rehab with one loan. Get pre-qualified with Katrina Carter.
Finance the purchase and renovation in one loan. FHA 203(k), HomeStyle, CHOICERenovation, and construction-to-perm — find the right program and turn a fixer into your dream home.
Tell me about your project and I'll match you with the best rehab program.
I'll review your info and reach out within 24 hours with personalized renovation loan options.
No credit impact. No obligation.
In markets like Oakland, Richmond, Antioch, and Pittsburg, move-in-ready homes often sell for $50,000–$150,000 more than fixers in the same neighborhood. A renovation loan lets you capture that equity gap — without draining your savings on repairs upfront.
FHA 203(k) tip: Finance up to 110% of the after-improved value — no cash needed for repairs upfront. You find the right house in the right neighborhood, roll the repairs into one loan, and turn a fixer into your forever home.
Not every rehab fits every program. Here is how the six major renovation loan options stack up.
A clear roadmap from house hunting to move-in day — even when your loan includes a full rehab.
Most loan officers avoid renovation loans because they are complex. I have closed dozens of 203(k), HomeStyle, and construction-to-perm loans across the East Bay. I know the consultant process, the draw schedule, and the common pitfalls that delay closings.
Whether you have a property picked out or just exploring options, I will walk you through the numbers and match you with the right renovation program.
Senior Mortgage Advisor at serving the East Bay with over 30 years of real estate experience.
| NMLS | CA DRE# 01324500
| NMLS
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