A custom home under construction in California

Renovation & Custom Construction Resource Center

Love Where You Live Or Build the Home You’ve Always Imagined.

Whether you’re remodeling your current home, building an ADU, constructing a custom home, or purchasing a fixer-upper, we’ll help you explore financing options that can bring your vision to life.

Your dream home doesn’t always mean moving.

Sometimes it’s adding the kitchen you’ve always wanted. Finishing the backyard. Building an ADU for family. Creating more space. Or building a custom home from the ground up.

No matter where you are in your journey, we’ll help you understand your financing options so you can confidently move forward.

What Can Renovation Financing Help You Do?

Remodel your kitchen or bathroom
Add an ADU or guest house
Create the backyard you’ve always dreamed of, including a pool, outdoor kitchen, or entertaining space
Add bedrooms or expand your home’s living space
Make accessibility improvements so you can comfortably age in place
Purchase and renovate a fixer-upper
Build a custom home from the ground up
Increase your home’s value while creating a home you’ll love for years to come

Have questions?

Here are answers to some of the most common questions about renovation and construction financing.

Can I finance the cost of renovations into my mortgage?

Yes. Depending on your goals, there are several ways to finance renovations. If you’re buying a home that needs work, a Renovation Loan, such as an FHA 203(k) or other eligible renovation financing program, may allow you to finance both the purchase price and the cost of improvements with one loan. If you already own your home, you may be able to use a Home Equity Loan, HELOC, or Cash-Out Refinance to fund your renovation. During your complimentary planning session, we’ll help you compare your options and determine which financing strategy best fits your project.

Can I use a renovation loan to buy a fixer-upper?

Absolutely. Renovation loans can allow you to purchase a home that needs repairs or updates and finance the improvements at the same time. This can be a great option if you’re willing to create your dream home instead of buying one that’s already finished.

What is the difference between a construction loan and a construction-to-permanent (One-Time Close) loan?

A construction-to-permanent loan, also known as a One-Time Close loan, combines the construction financing and your permanent mortgage into a single loan with one closing. This can simplify the financing process and may reduce closing costs. A traditional construction loan, sometimes called a Two-Time Close loan, finances only the construction phase. Once your home is complete, you’ll apply for a separate permanent mortgage, resulting in a second closing.

Do I make mortgage payments while my home is being built?

In many construction loan programs, you’ll make interest-only payments on the funds that have been disbursed during construction. Once the home is completed, the loan typically converts to regular principal and interest payments if it’s a construction-to-permanent loan.

Can I build a custom home or ADU using my home’s equity?

In many cases, yes. Homeowners may be able to use the equity they’ve built through a Home Equity Loan, HELOC, or Cash-Out Refinance to help finance an ADU, major renovation, or even a custom home project. During your planning session, we’ll review your equity, budget, and financing options to determine the strategy that best fits your goals.

Get Inspired. Get Clear. Start Planning.

Every successful renovation or custom home starts with a vision.

Maybe your family needs more space. Maybe you’re dreaming of a better kitchen, a backyard made for entertaining, a home office, an ADU for family, or finally building the custom home you’ve always imagined. Whatever your vision, getting clear on what you truly want is the first step.

Once you have a clear vision and a plan, making smart financing decisions becomes much easier. We’re here to help you explore ideas, organize your thoughts, and turn your dream into a realistic plan.

A home should tell the story of who you are and be a collection of what you love.

Get Started by Downloading One of Our Complimentary Planning Guides

The Remodel Roadmap

A step-by-step planner to help you define your vision, prioritize your projects, and create a clear plan for transforming the home you already love.

The Custom Home Blueprint

Design your dream home from the ground up. Clarify your vision, identify your must-have features, define the lifestyle you want to create, and start planning your custom home with confidence.

Planning the financing for your project

Whether you’re remodeling the home you love or building a custom home from the ground up, we’ll help you navigate your financing options and create a strategy that fits your vision, timeline, and budget.

We can help you:

Let’s Bring Your Vision to Life

Every great renovation or custom home starts with a conversation. Whether you’re ready to begin or simply exploring your options, we’re here to help you understand what’s possible and create a financing plan that fits your goals.

Schedule Your Complimentary Dream Home Planning Session

Keep Exploring Your Possibilities

Whether you’re collecting ideas, comparing options, or learning about your financing choices, these complimentary resources are here to help you move from inspiration to a well-planned project.

Renovation & Custom Construction Learning Hub

Watch educational videos, explore in-depth guides, and learn about renovation financing, construction loans, home equity options, and everything you need to confidently plan your project.

Download the Dream Home Planning GPT

Your personal AI planning assistant to help you clarify your vision, compare ideas, organize your project, explore financing options, and answer your renovation and custom home questions, 24/7.

Dream Home Inspiration Pinterest Board

Browse hundreds of beautiful remodels, custom homes, kitchens, bathrooms, outdoor living spaces, pools, ADUs, and design ideas to inspire your vision

Renovation & Custom Construction YouTube Playlist

Watch educational videos covering renovation financing, custom construction loans, home equity strategies, planning tips, and more, so you can confidently move from inspiration to action.

Additional Trusted Resources

We’ve gathered a few trusted government and nonprofit resources to help you research your project, verify contractors, understand building requirements, and explore available rebates before you begin.

🏛️ Verify a California Contractor’s License⁠

Explore California’s building codes, construction standards, and code updates that may affect your remodeling or custom home project.

📐 Learn About California Building Codes & Standards⁠

Explore California’s building codes, construction standards, and code updates that may affect your remodeling or custom home project.

🌿 Explore Energy Upgrade California Programs & Rebates⁠

Discover energy-saving ideas, rebates, incentives, and home improvement programs that can make your renovation more efficient and affordable.

💡 Search for California Energy Incentives & Tax Credits

Find state, federal, local, and utility rebates, tax credits, and incentives for energy-efficient home improvements, solar, HVAC systems, and more.

🏡 Learn About FHA 203(k) Renovation Loans (HUD)⁠

Read HUD’s official guide to the FHA 203(k) program, which allows eligible buyers and homeowners to finance the purchase or refinance of a home along with qualifying renovations in a single mortgage.

Meet Amy DeBusk

For more than 25 years, Amy DeBusk helped homebuyers and real estate investors navigate the mortgage process with confidence.

As a Branch Manager and Mortgage Advisor, my mission is simple: to make home financing easy to understand and help you make informed decisions every step of the way.

Whether you’re buying your first home, exploring down payment assistance programs, using your VA benefits, or simply wondering where to begin, my team and I are here to help.

I believe homeownership has the power to create stability, build wealth, and change lives. That’s why I’ve dedicated my career to helping families achieve their homeownership goals.

Ready To Talk?

⭐⭐⭐⭐⭐ 130+ Five-Star Google Reviews

Why Work With Amy DeBusk Home Loans?

Schedule your complimentary Dream Home Strategy Session and let’s create a personalized plan for your next chapter.

Trusted by California Homeowners for 25+ Years of Mortgage Experience.

Ready for the next chapter?

You may be ready to begin or simply wondering what is possible. Tell me what home means to you, and we can find a useful next step together.

Let’s talk about your plans Send Amy a question (916) 705-2557