Renovation-to-Permanent Home Loans
Tackle all of your home projects, big or small, without having to pay for them all upfront.
Apply NowMake a house a home with our reno loan.
A home renovation project is a big decision. Let our team of loan experts answer your questions and ease your worries. We’re here for you every step of the way.
View RatesAdditional benefits include:
Renovate your home or simultaneously purchase and renovate a new home. Then, when the project is complete, it converts to a regular home loan while wrapping up your mortgage and renovation into one.
Up to 90% financing available
Loan amounts up to $3 million
One loan, one rate, one closing
Free rate float-down on conversion to permanent financing
Flexible construction loan terms
Various fixed rate and ARM options
Interest-only payments during the renovation phase
Make Your Dream Home a Reality
We’re here to help you every step of the way.
Gather Your Information
Find out which documents and information you’ll need to apply for a mortgage.
Mortgage Application ChecklistStart Your Application
Apply online, give us a call at 904-908-2535 or visit us in person at one of our many local branches.
Apply NowLock in Your Rate
Once you qualify for a mortgage, we’ll guarantee your rate. This protects you if interest rates fluctuate during the application process.
View Current RatesCalculate Your Loan Payment
Visit a BranchRelated Tools & Resources
Low and No Down Payment Mortgages
We designed a variety of loan options to fit every need
Mortgage Application Checklist
Find out which documents and information we need to complete your VyStar mortgage or home loan application.
Homebuyer’s Guide
Buying a home and getting a mortgage can be a confusing and intimidating process — let us walk you through it.
Certain restrictions and limitations apply. All loans are subject to credit approval. The VyStar Credit Union renovation-to-permanent loan program is available in select states only. Rates are subject to an increased rate, if original construction term is not met. Contact a loan officer for availability in your area. ©2023 VyStar Credit Union.
Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.