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Val-Chris Investments - Trust Deed Investing

Sacramento Rehab Loans


Sacramento Rehab Loans

A rehab loan (also known as a renovation loan) is ideal for homeowners and homebuyers who are interested in purchasing or refinancing a home while simultaneously renovating their property, through a single mortgage. Home improvements ultimately have the outcome of expanding neighborhood property taxes, so these loans are typically insured by a government agency. Val-Chris has assisted many of our clients in acquiring these loans over the last 40 years. Our fast and easy response and approval process enables our clients to reach their own goals quickly.

Housing and Urban Development (HUD)

To qualify for a rehab loan, homeowners must meet certain criteria outlined by the Department of Housing and Urban Development (HUD). Some of these requirements include finding a property that may need repairs or improvements, meeting all lender requirements such as minimum credit scores, debt-to-income ratios, and proof of income, as well as finding a qualified lender.

Loan Usage Guidelines

Rehab loans can serve many purposes, including the purchase of the property itself. When this is done, the final loan amount can be more than the appraised value at the time of loan acquisition. These types of loans are often secured by the property projection. To learn more about how to qualify for a rehab loan in Sacramento, please visit our contact page.