Financing · Powered by RenoFi
Renovate now, pay over time.
Finance your kitchen, bathroom, addition, ADU, or whole-home remodel through our RenoFi partnership, based on what your home will be worth after the work is done, not just today.
Excell Homes, RenoFi-Certified ContractorLicensed VA, MD & DCThe opportunity
Why a regular HELOC leaves money on the table.
Most banks lend against your home’s current value. But a renovation raises that value, so a traditional HELOC often won’t cover the full project, and you leave borrowing power unused. RenoFi loans are built for exactly this: they’re sized on your home’s after-renovation value, unlocking significantly more for the same home.
Any home project
Financing for the whole house, not just one room.
Use it for any renovation we build.
How it works
Four steps from idea to funded build.
Get pre-qualified
See your options with a soft credit pull, no impact to your score.
We scope your project
Excell provides the plans and upfront quote your lender uses to assess your home's after-renovation value.
Choose your loan
RenoFi's lending partners offer renovation home-equity loans and HELOCs based on after-renovation value, with fixed and variable options.
Build with confidence
Funds are available as your project moves forward, and your existing first mortgage stays untouched.
Why RenoFi
More buying power, without touching your mortgage.
More buying power
Borrow against future value, not just today's, up to 90% of your home's after-renovation value, typically far more than a standard HELOC.
Keep your low first-mortgage rate
No cash-out refinance required, your existing mortgage stays exactly where it is.
For any project, any owner
Kitchens, baths, additions, ADUs, or a full renovation, whether it's your forever home or an investment property.
Transparent, no hidden fees
Clear terms before you commit.
Ready to build
Finance your renovation with Excell Homes
Build now and pay over time. Through our RenoFi partnership, you can borrow against your home’s after-renovation value for more buying power, without refinancing your first mortgage.
- Fast pre-approval
- Competitive rates
- Trusted RenoFi partnership
RenoFi is a broker; loans underwritten and funded by third party lenders. Not all borrowers or property types qualify. Terms and conditions, closing costs and loan fees apply. RenoFi NMLS ID #1802847. Equal Housing Opportunity.
Financing FAQ
RenoFi, explained.
What is a RenoFi loan?
A RenoFi loan is a renovation loan, made by a third-party lender, that uses RenoFi's underwriting technology. Instead of capping how much you can borrow based on what your home is worth today, it looks at your home's after-renovation value, what it will be worth once the work is done. For a remodel, that usually means more borrowing power. One important thing to know: RenoFi is not the lender itself. It partners with lenders, often credit unions, who actually fund the loan.
What kinds of projects can I finance?
Renovation projects of all kinds: kitchen and bathroom remodels, home additions, ADUs, and full whole-home renovations like the work we do at Excell Homes. Because the loan is built around your renovation plan and its after-renovation value, it is designed specifically for remodeling, not general borrowing.
How much equity do I need?
Possibly less than you would expect. Because a RenoFi loan is based on your home's after-renovation value rather than only its current value, it is often a good fit for homeowners who bought recently and have not built up much equity yet. The exact requirements depend on the lender and your overall financial picture, which is something your RenoFi loan officer will walk through with you.
Will checking my options affect my credit?
No. Reviewing your options and checking your rate takes only a few minutes and does not affect your credit score. It is a soft inquiry. A hard credit check would only happen later, if you decide to move forward with a full application.
How is “after-renovation value” determined?
After-renovation value (ARV) is what your home is expected to be worth once your renovation is complete. The simple way to picture it is your home's current value plus the value your planned improvements are expected to add. Formally, it is set by an “as completed” appraisal, where a licensed appraiser estimates your home's future value based on your proposed renovation plans, assuming the work gets finished.
Do I have to refinance my current mortgage?
No. RenoFi offers home equity options that let you keep your existing first mortgage exactly as it is. That is a real advantage if you locked in a low rate, because you can finance your renovation without touching the rate you already have.
Ready to see what you qualify for?
Get pre-qualified in minutes, or talk to our team about your kitchen, bath, addition, ADU, or whole-home project.