Hybrid Home Loan Program™

allows you to purchase, refinance and or upgrade an “As Is” home into your energy efficient Dream Home.

Cosmetic upgrades can be applied in a wide variety of popular home improvements that increase both value & comfort.

• Accessory Dwelling Unit Construction
• Kitchen upgrade, repair or remodel
• Bathroom upgrade, repair or remodel
• Room Addition
• Lighting fixtures and skylights
• Flooring and floor coverings
• Interior and exterior painting
• Master bedroom to master suite conversion
• Repair / replace / add decks, patios, porches
• Repair / replace roof, gutters, and downspouts
• Repair / replace plumbing and electrical systems

Energy Efficient & Green Upgrades Our Energy Efficient Mortgage (EEM) program provides improvements with these great benefits: 100% financing

• Lower utility bills
• Enhanced property value
• A healthier and more comfortable home
• Receive a certified home energy audit
• Reduced maintenance
• Energy efficient kitchen appliances
• Heating and air conditioning upgrades
• Lighting system upgrades
• Replacing windows and doors
• Water heater upgrade
• Weatherization and insulation

Funding For "As Is" Properties

• Buyer Cosmetic Needs - If this was brand new, would you buy this house?
• The Home Inspection: Recommended Repairs
• Compliance/Lending Condition Requirements
• Excessive peeling paint
• Termite clearance
• Damaged or missing key components of the home
• Heating, Electrical, Plumbing
• Unpermitted square footage