Remodel Loans

Love your home — just not everything about it? Let’s change that.
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Love your home — just not everything about it?

Whether you’re planning a major renovation or upgrading key spaces, a Remodel Loan from 3Rivers can help bring your vision to life. From kitchen overhauls to room additions, we’ll help you finance improvements that make your home work better for you.

Finance Your Home Improvements with Confidence

A Remodel Loan allows you to fund significant renovations based on your home’s projected value after improvements are complete. That means you can make impactful upgrades now — without draining your savings.

What You Can Do with a Remodel Loan 
  • Kitchen and bathroom remodels
  • Basement finishing
  • Room additions
  • Structural updates
  • Major interior renovations

We keep the process straightforward and supportive.

Finance with 3Rivers

We know home renovations are a big investment, financially and emotionally.
Looking at plans and pointing to land for purchase.

How It Works

  • Share your plans. Tell us about your project and contractor.

  • Review your options. We’ll walk through loan details and next steps.

  • Close once. Your loan is set up before work begins.

  • Funds are disbursed in draws. Payments are released based on project milestones.

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Bulldozers digging up a lot

Why 3Rivers?

  • Clear communication at every step

  • Local decision-making and servicing

  • Personalized guidance from experienced lenders

  • Competitive rates and structured funding

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Common Questions About Building Your Home

Construction-to-Permanent Loan FAQs

Find answers to frequently asked questions about construction loans, financing requirements, and the building process.
Can I use a Remodel Loan for cosmetic updates?
Cosmetic projects alone (like paint or flooring) typically don’t qualify unless they’re part of a larger renovation that significantly improves the home.
Why does my Purchase-Remodel Loan require a licensed contractor?
Licensed contractors ensure quality workmanship, proper permits, and construction standards. This protects your investment and enables our draw-based funding process tied to project milestones.
What types of projects qualify for Purchase-Remodel Loan financing?
Substantial improvements qualify, including kitchen and bathroom remodels, basement finishing, room additions, and structural modifications.
What's the difference between a Remodel Loan and a HELOC?
A Remodel Loan combines home purchase and renovation financing into one loan with one closing. A HELOC provides revolving credit access to existing home equity for various expenses over time.

Ready to talk about Remodel Loans?

Contact one of our Remodel Loan Officers to get started today.
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