Renovation Loans Florida – Simplify Your Home Improvement Financing

At North Star Mortgage Network, we help Florida homeowners achieve their dreams with renovation loans Florida buyers can trust. These loans let you finance both your home purchase and repair costs in one easy loan. Whether you’re fixing a roof, updating a kitchen, or turning a fixer-upper into your forever home, we’ll help you finance it with clarity and confidence.

What Are Renovation Loans Florida Programs?

Renovation loans Florida programs combine the cost of buying or refinancing a home with the funds needed for upgrades or repairs. Instead of juggling two separate loans, you get a single, convenient mortgage that covers it all.

You borrow based on your home’s after-improvement value, giving you access to funds upfront for renovations. Programs are available through FHA, VA, and Conventional lenders — each designed for different borrower needs.

For details on government-insured renovation loan programs, visit HUD.gov.

Types of Renovation Loans in Florida

At North Star Mortgage Network, we offer several renovation loan options for Florida buyers and homeowners:

  • FHA 203(k) Loan – Perfect for first-time buyers or moderate home repairs.

  • Fannie Mae HomeStyle Loan – Ideal for primary, secondary, or investment homes.

  • VA Renovation Loan – For eligible veterans improving their primary residence.

  • Non-QM and Jumbo Renovation Loans – For larger or non-traditional projects.

Each option helps you tailor financing to your property, credit profile, and long-term goals.

Benefits of Renovation Loans Florida

A renovation loan makes upgrading your home easier and more affordable.

Top benefits include:

  • Single loan and single payment. No need for separate financing.

  • Low down payment options. FHA 203(k) loans allow as little as 3.5% down.

  • Finance all improvements. From new roofs to energy upgrades, it’s covered.

  • Increased property value. Borrow based on your home’s future value.

  • Fixed or adjustable rates. Choose terms that fit your budget.

Instead of settling for outdated spaces, you can buy or renovate with confidence — and enjoy the home you truly want.

Who Qualifies for a Renovation Loan

You may qualify for a renovation loan Florida program if you:

  • Have a 620+ credit score (varies by program).

  • Show steady income and employment history.

  • Plan to occupy the home as your primary residence (for FHA/VA).

  • Provide licensed contractor bids and improvement details.

  • Have equity or a small down payment to meet loan requirements.

Our experts review every detail to match you with the right renovation loan program and guide you through each step of the process.

Local Focus – Serving Florida Homeowners Since 2000

For over 25 years, North Star Mortgage Network has helped Florida families finance their home upgrades in Jacksonville, St. Johns County, Clay, and Duval.

We know Florida’s housing market, renovation costs, and appraisal guidelines — and we use that knowledge to simplify your path to success. When you choose us, you get clear communication, competitive rates, and personal service from start to finish.