Renovation Loans for Home Upgrades and Improvements

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

At Adam Closes, we make it easier to create the home you’ve always wanted with flexible renovation loan programs. Whether you’re buying a fixer-upper or upgrading your current home, renovation loans combine the cost of your mortgage and home improvements into a single, manageable loan.

These loans are perfect for homeowners who want to remodel kitchens, update bathrooms, add rooms, or make structural repairs without juggling multiple loans or lines of credit. Our team helps you understand your options, from FHA 203(k) to conventional renovation loans, ensuring you get the best fit for your goals and budget.

With over 20 years of lending experience, Adam and his team guide you through each step — from initial planning to final approval — with clear communication and dependable service. Turn your vision into reality with a renovation loan that adds comfort, style, and long-term value to your home.

Why a Renovation Loan Might Be Right for You

 

Renovation loans give you the freedom to transform your home while managing costs efficiently through one simple, flexible financing solution.

One Loan, One Payment
Combine your mortgage and renovation costs into one convenient monthly payment.
Increase Property Value
Make upgrades that boost your home’s long-term value and market appeal.
Flexible Project Options
Finance everything from small improvements to full remodels and major repairs.
Accessible Financing
Ideal for buyers or homeowners looking to update without tapping into savings or multiple credit lines.
Renovation loans are the perfect solution for turning your current house into the home you’ve always envisioned — efficiently, affordably, and with expert guidance.

What to Expect from Our Renovation Loan Process

 

We simplify the renovation loan process with clear communication, organized steps, and expert coordination between your lender, contractor, and appraiser to ensure a smooth project from start to finish.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete our secure online application and upload your documents at your convenience.

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

With pre-qualification in hand, you can shop confidently and get your home under contract.

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

 

Your dream home might be closer than you think. Whether you’re improving your current property or buying one that needs work, Adam helps you turn potential into perfection with simple renovation loan solutions.

We’ll help you explore your options, estimate costs, and guide you from approval to completion with confidence. Call today or fill out the quick form below to get started on your renovation loan pre-qualification.

Frequently Asked Questions

What types of renovations can be financed with a renovation loan?
Renovation loans can finance structural repairs, cosmetic upgrades, roofing, plumbing, HVAC, and even room additions. The scope of work must be approved and completed by licensed contractors.
The loan amount is based on the projected “after-repair value” of the home. A detailed contractor bid is required, and funds are released in draws as work is completed.
Yes, renovation loans allow you to combine the purchase price and improvement costs into one loan. This eliminates the need for a separate construction loan.
Yes, periodic inspections are required before draw funds are released. This ensures work is completed according to the approved renovation plan.

Find out your home loan options today

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