HIRM: (adj.) an conforming mortgage that provides financing for the refinance and improvements of a residential property in one application, one mortgage and one payment based on the ‘after-improved value.

What's the power of a HIRM? It's the ability to:

• Buy a new refrigerator, stove, dishwasher, oven, washer and dryer, water heater etc.
  
• Create an inviting den and entertainment area that draws your family together
  
• Add extra bedrooms
  
• Replace your aging roof and furnace with low-cost financing

We do this with a permanent mortgage that allows you to refinance a home and then immediately begin the renovation all with just one application and one closing.

Not enough equity, don’t worry, the loan amount is based on the after-improved value of your home.
With experience, knowledge and a commitment to customer service, we can tailor a program to help you.