Buy, Renovate, and Finance with One Loan

A Fannie Mae HomeStyle® purchase loan allows eligible buyers to purchase a home and finance renovations through a single mortgage. Purchase a home and finance renovations with one mortgage designed to simplify the process and support your long-term goals. Whether you're buying a primary residence, second home, or investment property, HomeStyle financing provides the flexibility to customize a property to fit your vision.

Unlike many renovation loan programs, HomeStyle loans can be used for a wide range of improvements, from cosmetic updates and modernizations to more extensive renovation projects. The cost of eligible renovations is included in the mortgage, helping simplify the financing process and reduce the need for separate loans.

HomeStyle financing can be a great option for buyers who see potential in a property and want the ability to build value while creating a space that better fits their needs and goals.

Our team can help you explore your options, review your renovation plans, and determine whether a Fannie Mae HomeStyle® loan is the right fit for your homeownership or investment strategy.

The best homebuying journeys begin with a clear mortgage plan. Understanding your buying power, financing options, and renovation budget upfront helps you shop with confidence and focus on properties that align with both your vision and your financial goals.

In which state are you looking to purchase a property?

What type of property are you interested in purchasing?

Are you a first-time home buyer?

What will be the intended use of the property?

What is your estimated credit score?

What is your gross annual income?

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Are you eligible for VA benefits?

What is your full name?

What is your email address?

What is your cell phone?

Understanding your budget and renovation potential upfront can help you shop with confidence:

  • Know Your Buying Power
    Preapproval helps you understand your budget, financing options, and renovation potential before you start shopping.

    Be a Stronger Buyer
    A preapproval letter shows sellers you're qualified, serious, and ready to move forward when the right property becomes available.

    Create a Smoother Process
    The preapproval process helps identify potential roadblocks early, allowing you to address them before making an offer.

    Move Forward with Confidence
    With your financing strategy already in place, you can focus on finding the right property and making strong, confident offers.

Ruoff Mortgage - The Vermillion Lending Team

NMLS# 227336

Contact Us

3455 Mill Run, Ste. 101, Hilliard, Ohio 43026

Columbus, Ohio, Ohio 43026

Ruoff Mortgage - The Vermillion Lending Team is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Ruoff Mortgage - The Vermillion Lending Team will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

NMLS: 227336 || OH: MLO.021770.001

© Copyright 2026 | Ruoff Mortgage - The Vermillion Lending Team | All rights reserved.

© Copyright 2026 | Ruoff Mortgage - The Vermillion Lending Team | All rights reserved.