
In today’s housing market, finding the perfect home can be a challenge. Low inventory and rising prices have made moving less appealing for many homeowners. But what if you could transform your current home into your dream home—without giving up your low-rate first mortgage?
That’s where our Renovation HELOC comes in. This exciting new product allows you to borrow up to 95% of your home’s After Renovation Value (ARV), giving you the flexibility and funding you need to make major improvements.
Why This Is a Game Changer
Unlike traditional home equity loans or cash-out refinances, this HELOC is designed to maximize your borrowing power while preserving your existing mortgage terms. If you locked in a low interest rate before recent market changes, this program lets you access home equity without refinancing—a huge advantage in today’s environment.
Key Benefits of the Renovation HELOC:
✔ Borrow Up to 95% of Your Home’s Future Value – Get more funding based on what your home will be worth after renovations.
✔ Keep Your Low-Rate First Mortgage – No need to refinance and lose your great rate!
✔ Flexible Access to Funds – Draw funds as needed for your project.
✔ Competitive Rates & Full Documentation – Affordable borrowing with responsible lending.
How Can You Use It?
This program is perfect for homeowners looking to:
🏡 Upgrade their kitchen or bathrooms
🔨 Add extra living space or a home office
🌞 Build a pool, patio, or outdoor oasis
🚗 Expand or enhance their garage or driveway
Is This Right for You?
To qualify, you’ll need:
✅ A minimum credit score of 720 for the 95% ARV option (Minimum FICO of 640 required for other LTVs).
✅ A maximum LTV of 125% of your home’s current value.
✅ Full income documentation to verify affordability.
This is a huge opportunity to invest in your home while protecting your financial future. If you’ve been thinking about remodeling or adding to your home, now is the time to take advantage of this powerful financing option!
📞 Contact us today to learn more!
Northeast Financial – Your Trusted Mortgage Experts

All loans are subject to final lender approval. Restrictions apply.