Buying a home that needs a little TLC can be a great opportunity — but renovation costs often stop buyers from moving forward. That’s where the Purchase Plus Improvements Program comes in.

This program allows you to finance both the purchase of your home and approved renovations under one mortgage, making it easier to turn a fixer-upper into your dream home.

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What Is the Purchase Plus Improvements Program?

The Purchase Plus Improvements Program is a mortgage option that lets buyers add the cost of renovations directly into their mortgage at the time of purchase.

Common improvements include:

• Flooring

• Painting

• Kitchen upgrades

• Bathroom renovations

• Minor repairs and updates

Instead of paying for renovations upfront, the cost is spread over your mortgage term.

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How Does the Program Work?

• The process is simple and well-structured:

  Step 1: Before taking possession, you obtain quotes for the planned improvements.
  Step 2: The lender approves those renovation costs and adds them to your mortgage amount.
  Step 3: After you purchase the home and complete the renovations, the lender releases the approved funds to you.

  This ensures the work is completed as planned while giving you financial flexibility.

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Why Buyers Love This Program

• No need for large upfront renovation cash

• Improve your home right after purchase

• One mortgage instead of separate loans

• Great option for first-time buyers or budget-conscious buyers

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Is the Purchase Plus Improvements Program Right for You?

This program can be an excellent fit if you:

• Are buying a home that needs cosmetic or minor upgrades

• Want to increase the home’s value right away

• Prefer one simple mortgage instead of multiple loans

Every situation is unique, and lender guidelines vary.

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Let’s Talk About Your Options

• Thinking of buying a home that needs upgrades?
  I’d be happy to review your plans and see if the Purchase Plus Improvements Program is the right fit for your goals.