Renovation Loans That Bring New Life to Old Spaces

Turn a fixer-upper into your forever home or make the upgrades your current home deserves.

Make it yours with a renovation loan from Luminate.

Sometimes the perfect home isn’t move-in ready, but that doesn’t mean it’s out of reach. Whether you’re buying a home that needs work or updating the one you already own, Luminate Bank offers renovation loan options that make it easier to transform potential into reality.


From FHA 203k lenders to streamlined renovation options, our team is here to guide you through every nail, tile, and financing decision.

What is a renovation loan?

A renovation loan allows you to finance the cost of home repairs, improvements, or remodeling projects—often rolled into your mortgage. This means one application, one loan, and one monthly payment.


At Luminate, we work with both standard and streamlined renovation programs, including the FHA 203k loan—one of the most popular renovation loan options available.


FHA 203k Loans

Offered by approved FHA 203k lenders like Luminate, this government-backed loan lets you purchase (or refinance) a home and roll in the costs of repairs or upgrades, everything from new roofing and appliances to kitchen overhauls and accessibility features.

Do you qualify for a renovation loan?

Eligibility is often more flexible than you might think,especially with FHA 203k loan options. You’ll typically need:


  • A qualifying credit score (varies by program)
  • Proof of income and employment
  • A contractor estimate or detailed scope of work
  • Willingness to live in the home (for FHA options)



Our team will walk you through every requirement and recommend the best renovation path for your budget and timeline.

Why choose a renovation loan from Luminate?

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Finance Home + Upgrades Together

Save time and money with one closing and one monthly payment.

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Buy a Fixer-Upper with Confidence

Don’t let outdated kitchens or old wiring scare you off.

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Boost Home Value

Renovations can increase your home’s equity and future resale value.

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FHA 203k Options

We’re experienced FHA 203k lenders ready to walk you through your best-fit solution.

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Flexible Improvement Types

From repairs and remodels to accessibility changes and energy efficiency upgrades.

Still unsure if a renovation loan is the right move?

Whether you’re exploring a FHA 203k loan or other renovation loan options, we’ll make sure you’re equipped with the right information and the right strategy.


Let’s rebuild your space, and your confidence in the process.

Sunroom with two wicker chairs, blue walls, and wood floor. French doors lead to another room.

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