Getting A Loan


Renovation Loans

A Renovation loan is a mortgage that is backed by one of several sources. Our team has 3 options that are great choices for those looking to take on a construction project while not starting from scratch. 

Loan Benefits: 

  • Several Loan Options

    • FHA 203k (Standard or Limited)

    • Conventional (Homestyle)

  • Borrower can finance up to 6 months of mortgage payments into the loan

  • Can be used for cosmetic items (paint, carpet, etc.) 

  • Can be used to add square footage to increase the value

  • Can allow you to purchase a home with as little as 3% down

  • Can be a Primary, 2nd Home or Investment

Borrowing Power

Borrow up to 57% of your debt to income. This can include the renovation costs!

*Depending on loan and occupancy type

Speed to Close

Close in as little as 35 business days! Average closing expectation is 45 days or less. 

*Based on contractor bid approval 

Minimum Credit Score

The minimum credit score a typical borrower will need to have is 620.

*Call for exceptions 

Minimum Down Payment

Purchase with as little as 3% down. 

*Depending on loan and occupancy type

Have More Questions?

Wesley Wyrick | Vice President Of Sales | NMLS  1067576​ | 3818 Teays Valley Rd, Hurricane WV 25526

NMLS      |      FAIR LENDER      |      FAIR HOUSING

Licensed by the Dept. of Business Oversight under the Kentucky Mortgage Company License MC81516;  L-158799; Ohio Mortgage Broker Banker Exemption MB.850056.000; Tennessee Department of Financial Institutions #122390; West Virginia Mortgage Lenders License # ML-24537; Licensed by the Tennessee Department of Financial Institutions 122390 NMLS ID #50635 ( Victorian Finance, LLC DBA American Home Mortgage


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