Not every home is move-in ready - and that's exactly where opportunity lives. Whether you're buying a fixer or reinvesting in the home you already own, we help you find the value hiding in homes that don't fit the traditional box.
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Whether it needs cosmetic updates or major repairs, renovation financing rolls the cost of the work into one mortgage - on a home you're buying or the one you already live in.
Every project is different - so there's more than one way to get it done. Here's the plain-English version. We'll match you to the right one; no homework required.
Best for buyers making it their home who want an easier path to qualify.
Great when the house needs work - and you need flexibility.
Best for buyers, second-home owners, and investors who want the most options.
The Swiss-army knife of renovation loans.
Buy it and fund the work in a single loan - no second mortgage, no draining savings for repairs.
Tap your equity to renovate the place you're in - one new loan covers the whole project.
Buying a fixer or refinancing the home you already own - estimate the new payment, loan amount and the equity the work creates. Switch between Purchase & renovate and Refinance & renovate right in the tool.
Estimates only - not a commitment to lend. Let's turn the estimate into a real, underwritten approval.
I love this program. It's completely changing a market - and I'm finally in the right place at the right time.
Buyers: sick and tired of getting beat out on every offer you submit? Racing all over to see these 100% turnkey, done-to-the-nines homes - only to find out the only way to land one is to outbid someone else, half the time not even knowing if that competing offer was ever real? Insanity.
What if you bought a home that's a little banged up, needs some love - and put in the improvements you want to see, instead of living with someone else's taste? Do you think our parents would ever overbid for anything - let alone a house?
Let's open up more buying opportunities for the buyers right here in the Capital District.
Renovation financing isn't just a buyer's tool - it's a way for homeowners to reinvest, a deal-saver for sellers, and a serious edge for agents.
Stay right where you are and make it the home you always wanted.
Sometimes the best move is the one that keeps you home.
Why settle for someone else's taste when you can create your own?
Access a much larger inventory - homes everyone else overlooks.
A home doesn't have to be perfect to sell. It just needs the right strategy behind it.
What once killed a deal can become the reason it closes.
Instead of watching deals fall apart or fighting over turnkey listings…
Create solutions where everyone else sees roadblocks.
Got a house that's been shown by plenty of Realtors - but the offers just aren't coming? Maybe it's the dated kitchen, or bathrooms still original to the 1970's. Buyers, unfortunately, can't always look past that.
When I was a Realtor, I'd walk people through a home I knew was perfect for them - and they'd get hung up on the awful paint colors. I get it. But you're missing the big picture.
Cracks in the foundation and water infiltration - now that's a bit more of a big deal. Renovation financing lets a buyer see past the cosmetics and fix what actually matters.
Want to create a different market - and be part of something special? That's exactly what RENO loans are all about.
Aren't you tired of bidding on the same listing as two other agents in your own office? Sick of the only advice you can give your desperate buyers being "overpay and hope you get it"? That's not a great strategy. Let's change that.
Think about that home you drove past - listed right in the same neighborhood, just a little banged up. Original kitchen, original bathrooms, landscaping straight out of the 70's.
And we can help everyone visualize a beautiful, finished home.
It's not just a loan -
it's a strategy.
Renovation financing connects buyers to more homes, helps sellers move properties that otherwise wouldn't sell, and gives agents a powerful tool to keep deals alive and moving forward. At The Marchand Team, we don't just finance homes - we help reimagine what's possible.