Florida Renovation Loans
From Miami to Jacksonville, we help Florida buyers finance the purchase and renovation of a home in a single loan — no second mortgage required.
Why Florida Buyers Choose Renovation Financing
Florida's real estate market is competitive, but renovation loans open up a category of homes that most buyers overlook — properties that need updating, storm hardening, or full modernization. With a renovation loan, you can buy and improve in one transaction, often at a lower combined cost than purchasing a move-in-ready home.
Florida also has unique renovation needs: hurricane-resistant upgrades, roof replacements, impact windows, and flood mitigation improvements are all eligible under CHOICERenovation's resilience improvement provisions. Dustin structures deals that account for Florida's specific climate and insurance requirements.
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Available Renovation Loan Programs
All programs are available in Florida. Eligibility depends on property type, occupancy, and borrower qualifications.
Florida Markets We Serve
Miami / Fort Lauderdale
South Florida's older housing stock offers strong renovation loan opportunities in Broward and Miami-Dade counties.
Orlando
Central Florida's growing market with fixer-upper inventory in Orange, Osceola, and Seminole counties.
Tampa / St. Petersburg
Hillsborough and Pinellas counties — strong demand for renovated homes near the bay.
Jacksonville
Duval County with affordable renovation opportunities in historic neighborhoods.
Naples / Fort Myers
Southwest Florida including Lee and Collier counties — storm recovery and renovation financing.
Gainesville / Ocala
North-central Florida with USDA-eligible rural properties and affordable renovation deals.
Frequently Asked Questions
Ready to Finance Your Florida Renovation?
Whether you're buying a fixer-upper in Orlando or adding storm protection in Naples, Dustin is ready to structure the right deal.