Refinance, Renovate, and Reimagine Your Property

A Fannie Mae HomeStyle® refinance loan allows eligible homeowners and investors to refinance their existing mortgage while financing renovations through a single loan. Refinance your current mortgage and finance home improvements with one loan designed to simplify the process and support your long-term goals.

Whether the property is a primary residence, second home, or investment property, HomeStyle financing provides flexibility for a wide range of renovation projects. From cosmetic updates and modernizations to larger improvements, eligible renovation costs can be included in the new mortgage.

HomeStyle refinance loans can be a powerful option for homeowners who want to improve their property, increase its value, and create a space that better fits their needs without relying on separate financing.

Our team can help you review your goals, evaluate your renovation plans, and determine whether a Fannie Mae HomeStyle® refinance loan is the right fit for your financial strategy.

Refinancing may create opportunities to improve your mortgage strategy while financing renovations through a single loan. Whether you're looking to update your property, improve cash flow, or increase long-term value, a refinance review can help uncover options that align with your goals. Let's explore what's possible.

In which state is the property located?

What type of property are you refinancing?

What is the current use of the property?

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Common reasons homeowners consider a HomeStyle® refinance include:

  • Improve Your Mortgage Terms
    Changes in rates or loan options may create opportunities to lower your payment, improve cash flow, or better align your mortgage with your financial goals.

    Finance Renovations with One Loan
    A HomeStyle® refinance can allow eligible homeowners to refinance their existing mortgage while financing home improvements through a single loan.

    Adapt to Financial Changes
    Changes in income, debt, or overall financial goals can create new opportunities worth exploring.

    Increase Your Property's Value
    Investing in renovations may help improve your home's functionality, appearance, and long-term value while simplifying the financing process.

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.