Browse daily listings of below-market properties across MD, DC, VA, WV, PA, NJ, NC, DE, MA, NH, IL & TX. Find the hidden gem that builds your wealth.
*Equity estimates are based on purchase price, estimated renovation costs, and estimated ARV. Not a guarantee of value. Consult a licensed appraiser.
Enter the purchase price, update cost, and estimated after-renovation value to see your instant equity position.
Ask our AI advisor about fixer-uppers, cosmetic updates, equity building strategies, renovation budgets, or what to look for in a below-market home.
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Every program below wraps your purchase price and renovation costs into one single mortgage — no second loan, no paying out of pocket for repairs before moving in.
The streamlined renovation loan for cosmetic and non-structural work. Covers kitchens, flooring, roofing, HVAC, windows, paint, and more — anything that doesn't require structural engineering or foundation work. Recently updated to allow up to $75,000 in renovation costs. Faster and simpler to close than the Standard 203k.
The full-power renovation loan for major repairs and structural work. Covers additions, foundation repairs, septic systems, full gut renovations — anything goes. Required when renovation costs exceed $75,000 or when structural work is needed. Requires a HUD-approved 203k consultant to manage the draw schedule and inspections. Best for serious fixer-uppers.
A conventional renovation loan with no FHA mortgage insurance fees. Great for buyers with stronger credit putting 10-20% down. Covers any renovation type including luxury upgrades and landscaping. Investment properties and second homes are allowed — making it ideal for house hackers and investors.
Very similar to HomeStyle Renovation — same conventional loan structure, same investment property eligibility, and any renovation type is covered. The key difference is CHOICERenovation includes a resilience improvement credit for upgrades that protect against storms, floods, wildfires, and other natural hazards. Your loan advisor can compare both programs and recommend the better fit for your specific property.
The fastest renovation loan on the market. Designed for lighter cosmetic updates with a streamlined approval process and no HUD consultant required. Renovation costs are capped at 10% of the After Renovation Value (ARV). Perfect for cosmetic updaters and undervalued homes that just need modernizing. Closes faster than any other renovation loan.
The most powerful renovation loan available — and it's exclusively for veterans, active duty service members, and surviving spouses. 3–5% down payment options available, no private mortgage insurance, and competitive rates. Combines purchase and renovation into one loan with no monthly MI. One of the best financial tools available for eligible veterans.
Zero down payment for eligible rural and suburban properties. Many properties just outside major metros qualify — not just farms and countryside. Wraps purchase and renovation into one low-cost loan with below-market rates. Income limits apply. Use the USDA eligibility map to check a specific address. Ideal for undervalued and cosmetic-update homes in suburban markets.
All loan programs subject to credit approval, property eligibility, and investor guidelines. Down payment requirements, credit score minimums, and loan limits vary by borrower and property. Not a commitment to lend. Equal Housing Opportunity.
Everything you need to know about finding undervalued homes, estimating equity, and financing your renovation — in plain English.
FixerUpperFinds is a property search tool. For renovation financing — FHA 203k, HomeStyle, VA Reno, USDA Reno, and CHOICERenovation — apply directly with a licensed renovation loan advisor.
Apply with a Renovation Loan Advisor →Enter your zip code, city, or state to find below-market properties added daily from public records and distressed listings.
Filter by Full Renovation, Cosmetic Update, or Undervalued/Outdated — each offers a different level of work and equity upside.
Use our equity calculator to see your instant equity position — purchase price plus renovation versus after-renovation value.
Apply for a renovation loan that wraps your purchase and renovation into one mortgage — FHA 203k, HomeStyle, VA Reno, and more.