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Sometimes. It depends on your lender’s guidelines. Some homeowners use short-term financing to cover urgent repairs before refinancing. However, new debt can impact loan eligibility or DTI, so check with your loan officer first. If you’d like to explore options, we work with Salal Credit Union to help qualified homeowners finance needed repairs.

Yes. We work directly from your appraisal to complete only the repairs needed to qualify for your refinance. That saves time and avoids extra work.

Yes. We offer free consultations where a qualified team member will listen to your goals and explain how we can help with the repairs needed for your refinance. This gives you a clear, affordable plan—without pressure or guesswork.

Yes. We can provide photos, summaries, and receipts as needed to show repairs were completed to code.

Lenders usually require an appraisal to confirm your home is safe, livable, and insurable. If it reveals issues like damaged siding, roof leaks, dry rot, lead paint, or structural concerns, those must be fixed first. In that case, we can review your appraisal and explain what needs to be addressed.

We prioritize refinance-related jobs because timing matters. Most repairs are done in a few days to two weeks, depending on scope and permitting.

We handle many of the most common issues appraisers flag, including:

• Rotted or damaged siding and trim
• Leaking or damaged roofing
• Exterior dry rot
• Lead paint hazards
• Failing stairs, decks, or handrails
• Moisture intrusion and structural repairs