A renovation loan gives you the opportunity to buy or refinance a home in need of repairs or updates and roll those costs into one simple home loan. The repairs and improvements can be as simple as fixing your roof or replacing carpet, to remodeling your kitchen or adding a master suite. The choices are up to you! Ruoff Home Mortgage will manage your renovation funds for you. You simply need to find your property and contractor, and Ruoff will handle the rest. Your loan and the value of the property will be based upon the condition and value after your repairs are completed; allowing you the potential to gain instant equity in your home!