Buy Ugly and Live Pretty with no cash out of pocket! Our renovation loans are not just for gut jobs and additions – they’re great to cover carpet and paint or new kitchen countertops. Here’s how it works… if you are buying, buy the bargain house that’s ugly but just needs some cosmetics, put just 3.5% down and roll in the cost for a makeover. Or, if you already own your home we can refinance it and roll in the cost for a makeover. The way it works is we use the future value of the home after the makeover to qualify. Think about it, you may be able to spend less now out of pocket for a home makeover than a day at the spa! How’s that for living the American Dream!