Whether you want to remodel or you need to make necessary repairs to your home, our programs can offer peace of mind that the repairs or renovations will be completed and that those costs will be rolled into your tax deductible mortgage from the start.

You can stop looking for the perfect home and start thinking about how you can create it! 

Some of the many benefits of these programs include; the loan is closed and the funds are escrowed before work begins, draws are requested by you and the contractor and the contractor has six months to complete the work.

At KS StateBank, we offer two great renovation loan programs that can help you: the FHA 203K Renovation Loan and the Fannie Mae HomeStyle® Renovation Loan. Plus, we have a renovation loan specialist with over 20 years of experience on our team to help ensure the process goes smoothly.

Here are a few approved repair/renovation items:

  • Structural alterations and additions
  • Remodeling kitchens and bathrooms
  • Modernize plumbing, heating, AC and electrical
  • Install, repair or replace well or septic system
  • Roofing, gutters and downspouts
  • New freestanding appliances
  • Interior and exterior painting
  • Flooring, carpeting and tile
  • Swimming pool repairs
  • Decking and landscaping
  • New construction is NOT allowed

There are a few limitations with these programs that you need to consider.  For more details regarding those, please reach out to one of our knowledgeable loan officers.  We are happy to go over the programs in detail with you!


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