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HomeStyle Refresh

Upgrade your home and streamline your finances with HomeStyle® Refresh – one mortgage, one payment, more possibilities.

HomeStyle Refresh lets you finance a broad range of eligible home improvements when you buy or refinance, from repairs and updates to comfort, efficiency, and resiliency upgrades. By rolling eligible improvement costs into your mortgage, you can upgrade your home without taking on a separate loan. Talk with a lender to see whether HomeStyle Refresh fits your homebuying or refinancing goals.

What kind of improvements qualify?

  • Update kitchens or bathrooms to better fit your lifestyle
  • Repair or replace the roof, windows, flooring, paint, or drywall for a refreshed look and address needed home repairs.
  • Increase comfort and efficiency with ENERGY-STAR®-certified appliances, smart thermostats, HVAC systems, basic weatherization and insulation, and water heaters.
  • Help make your home more resilient with storm surge barriers, foundation retrofitting for earthquakes, brush and tree removal in fire zones, retaining walls, and radon remediation systems.
  • Pay off an existing Property Assessed Clean Energy (PACE) loans, credit cards, and home equity credit lines that were used to finance prior energy-related upgrades.

Borrower requirements

  • An existing home, not new construction.
  • A property that meets occupancy and property restrictions.
  • A home purchase or limited cash-out refinance — no cash-out refinance option.
  • A property with hazard insurance in effect at closing, covering the completed value of the home.

You can finance improvements for up to 15% of the “as completed” value of the property — that’s the value of your home once the upgrades are complete.

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