Woman looking at renovation plans

HomeStyle Renovation

Turn an Ordinary House into Your Dream Home with Homestyle® Renovation.

Shopping for a home in today’s market can be a challenge, especially when you view one that’s almost what you want.

Perhaps you viewed a bargain home that needed an additional bathroom or bedroom. Or the home was in a terrific neighborhood but needed some updating to be comfortable.

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
  • Primary residences, second homes, and investment properties may qualify
  • 1-4-unit primary residences
  • One-unit second homes
  • One-unit investment properties
  • Planned Unit Developments (PUDs)
  • Warrantable Condominiums

Portfolio Jumbo Renovation

Financing Home Improvements Are you ready to make your home your ideal home? If you are considering a significant renovation, our Portfolio Jumbo Renovation may be the solution. Let us help you make your current home the home of your dreams.

Features and Benefits:

  • Loan amounts up to $2,500,000
  • Financing up to 80% of the “future” value
  • Financing that features competitive pricing
  • Work directly with the bank no middleperson

Loan Types and Terms

  • Available for almost all renovation projects, completed within 12 months or specified timeframe in construction contract (the lesser of the two)

Eligible Properties Include

  • 1-Unit Primary Residences
  • 1-Unit Second Homes


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.