Rehab Loans

Found a Fixer-Upper? We’ll Help You Finance the Fix

Rehab loans roll renovation costs into one simple mortgage — so you can buy the home and make it yours in one smart move.

Rehab loans (like the FHA 203k or Fannie Mae HomeStyle®) let you finance both the purchase and renovation of a property in a single mortgage.

Perfect for homes in need of some TLC — and for buyers who can see the potential, even if the carpet says 1975. Whether you’re eyeing a fixer in Deltona or a diamond-in-the-rough in Longwood, we’ll help you make it happen.

How it works

Step 1

You find a home that needs repairs, updates, or upgrades.

Step 2

We walk you through rehab loan options and requirements.

Step 3

You get quotes from contractors (we’ll help guide this).

Step 4

We submit your loan for both the purchase and renovation budget.

Step 5

You close once — and use the funds to transform your new home.

Who It's For

  • Anyone looking to purchase a home


  • Investors buying properties to flip or rent


  • Buyers who want to customize from the start


  • Anyone who can see past “as-is” and envision the after

Rehab Loans FAQs

  • What kinds of repairs can I include?

    Most non-structural improvements are fair game — think kitchen remodels, new flooring, roof replacement, HVAC, and more.

  • Do I have to move out during renovations?

    Sometimes, depending on the scope. We’ll explain your options, including temporary housing costs if needed.

  • Can I use my own contractor?

    Yes, but the contractor must be licensed and approved by the lender. We’ll help with the paperwork and process.

  • Is this only for serious fixer-uppers?

    Not at all — rehab loans can be used for cosmetic updates, too. It’s about making the home yours.

  • What’s the timeline for closing?

    Expect a bit more time than a standard loan — usually 45–60 days. But we’ll keep the process moving (and you in the loop).

Why Acceptance Mortgage Solutions?

We love a good before-and-after. More importantly, we know how to navigate the extra steps that come with rehab loans — so you don’t have to. From Orange City charmers to Altamonte Springs investments, we’ll help you buy smart and build better.


Benefits You Can Expect


  • One loan, one closing
  • Finance repairs, updates, or full renovations
  • Make an outdated home move-in ready
  • Increase your home’s value from day one
  • Expert help from a local team that’s done this before
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

You don’t need a perfect home — just a smart plan to improve it. Let’s unlock the potential of that fixer-upper in West Volusia or Seminole County.