HomeStyle®

Make Your Home into Your Dream Home

Low Housing Inventory Makes It A Perfect Time to Renovate! Guardian Mortgage’s HomeStyle® Renovation loan provides you with funds for a mortgage or refinance, plus additional funds to pay for remodeling, repairs, and updates.

Program Features:

  • Minimum 620 FICO score required
  • Maximum LTV/CLTV may be as high as 95%
  • Allowed to choose a qualified, licensed contractor to carry out your renovations
  • 1-4 Unit Primary residences, One-Unit Second homes, and One Unit investment properties, PUDs and Warrantable Condominiums may qualify
  • Renovation costs may include:
    ·Labor and materials
    ·Soft costs (architectural fees, permits, licenses)
    ·Contingency reserve
    ·A payment reserve of up to six months PITIA is permitted*


Consult your Guardian Mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval. HomeStyle is a registered trademark of Fannie Mae. *A payment reserve of up to six months PITIA is permitted when the borrower must vacate the property during renovation. The amount can be financed in the loan amount if the value will support such financing. The reserve is allowed only for the period in which the property is uninhabitable due to the renovations.