{"id":1169,"date":"2023-11-01T18:22:37","date_gmt":"2023-11-01T18:22:37","guid":{"rendered":"https:\/\/nysck.com\/georgiamortgage.com\/?page_id=1169"},"modified":"2024-01-24T17:06:37","modified_gmt":"2024-01-24T17:06:37","slug":"homestyle-renovation","status":"publish","type":"page","link":"https:\/\/nysck.com\/georgiamortgage.com\/homestyle-renovation\/","title":{"rendered":"HomeStyle Renovation"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Page Header&#8221; _builder_version=&#8221;4.23.4&#8243; background_image=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/wp-content\/uploads\/2024\/01\/Untitled-design-2024-01-18T092616.580.png&#8221; parallax=&#8221;on&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;HomeStyle Renovation&#8221; text_orientation=&#8221;center&#8221; admin_label=&#8221;Hero Section&#8221; _builder_version=&#8221;4.22.2&#8243; 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header_2_font=&#8221;Barlow|700|||||||&#8221; header_2_font_size=&#8221;36px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>HomeStyle Renovation<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>This program is specifically designed for borrowers in\u00a0Georgia\u00a0who are looking for financing to purchase a less-than-perfect fixer-upper or to refinance their existing mortgage while also renovating their current home. It offers a single-close first mortgage option, making the process more convenient for borrowers.<\/span><\/p>\n<p><span>Any type of renovation or repair that is permanently affixed to the property is eligible.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow||||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||1px|||&#8221; custom_padding=&#8221;17px||6px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Renovation Costs are Financed Up to:<\/p>\n<p>[\/et_pb_text][et_pb_text ul_position=&#8221;inside&#8221; ul_item_indent=&#8221;10px&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||-4px||false|false&#8221; custom_padding=&#8221;9px|||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>For home purchases, it can be financed up to 75% of the lesser of the purchase price plus total renovation costs or the &#8220;as completed&#8221; appraised value.<\/span><\/li>\n<li><span>For refinance transactions, it can be financed up to 75% of the &#8220;as completed&#8221; appraised value.<\/span><\/li>\n<li><span>For manufactured home renovations, it can be financed up to $50,000 or 50% of the &#8220;as completed&#8221; appraised value.<\/span><\/li>\n<li><span>The loan-to-value (LTV) ratio can go up to 97% for owner-occupied properties, 90% for second homes, and 85% for investment properties.<\/span><\/li>\n<li><span>There are different loan programs available, including 15 and 30-year fixed-rate mortgages (FRM), as well as 5\/1, 7\/1, and 10\/1 adjustable-rate mortgages (ARM).<\/span><\/li>\n<li><span>Renovation costs for labor, material, and soft costs can be included in the loan amount.<\/span><\/li>\n<li><span>The borrower gets to select the contractor to perform the renovation work, although the lender may require the use of a consultant based on the scope of work.<\/span><\/li>\n<li><span>Loan amounts are subject to county limits.<\/span><\/li>\n<li><span>Borrowers have 12 months to complete the work.<\/span><\/li>\n<li><span>Renovation funds are held in escrow accounts and are paid in draws during the renovation period.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;7px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>As a leader in mortgages in the state of Georgia, we do our best to provide financing for those living in Georgia. There are plenty of renovation loans,\u00a0<\/span><span>please reach out<\/span><span>\u00a0to get more information about our renovation loans.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/quote\/&#8221; button_text=&#8221;Fast Quote&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/wp-content\/uploads\/2024\/01\/side-banner-V1.jpg&#8221; title_text=&#8221;Side Banner&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; border_radii=&#8221;on|30px|30px|30px|30px&#8221; global_colors_info=&#8221;{}&#8221; url=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/contact-us\/&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HomeStyle RenovationThis program is specifically designed for borrowers in\u00a0Georgia\u00a0who are looking for financing to purchase a less-than-perfect fixer-upper or to refinance their existing mortgage while also renovating their current home. It offers a single-close first mortgage option, making the process more convenient for borrowers. Any type of renovation or repair that is permanently affixed to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1169","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/comments?post=1169"}],"version-history":[{"count":17,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1169\/revisions"}],"predecessor-version":[{"id":1939,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1169\/revisions\/1939"}],"wp:attachment":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/media?parent=1169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}