The Makeover process

One connected path from possibility to renovation.

A clearer journey from first estimate to closing, built specifically for renovation loans.

Explore the Six Steps One plan. The right team. A clearer close.
Homeowners reviewing plans in a home ready for renovation
From first estimateto a home you can make your own.
  1. 01Estimate
  2. 02Pre-approve
  3. 03Secure
  4. 04Consult
  5. 05Build
  6. 06Renovate

One connected journey

Six steps. Three chapters. One coordinated path.

Each stage prepares the next, giving your lender and renovation team the information they need to move forward.

The process becomes clearer when every decision has a place and every professional has the same plan.

Chapter 01Understand

Know what is possible before making the big decisions.

Start with the likely project cost and a financing range that makes the property and renovation work together.

Outdated kitchen being evaluated for renovation
See the work. Understand the likely cost.
01

Estimate

Know Your Costs Early

Start with Makeover Estimator. Walk the home, snap photos, and get a clear idea of what the renovation could cost before you make big decisions.

Makeover helps with

AI-powered estimates in minutes, plus a visualizer that helps you see the home's potential.

Download Makeover Estimator
Download on the App Store Get it on Google Play
Lender helping clients understand renovation financing
02

Get Pre-Approved

Connect with the Right Lender

Work with a lender who understands renovation loans, including FHA 203(k), HomeStyle, and similar programs. Getting pre-approved early helps you understand your budget and move forward with confidence.

PurchaseRefinanceRenovate
Chapter 02Assemble

Bring the property, scope, and right professionals into one plan.

The middle of the journey turns possibility into an actionable renovation-loan file.

Home buyers meeting with a renovation-loan professional
03

Secure the Home

Buy or Refinance with the Renovation in Mind

Whether you're buying a fixer-upper or refinancing your current home, structure the deal with the renovation costs included from the beginning.

Makeover helps with

Guidance that helps keep the loan and renovation project aligned.

Map of Makeover HUD consultant coverage across the United States
Experienced consultant coverage
04

Order Your Consultant

Get a Clear and Complete Scope of Work

A HUD consultant creates the detailed scope of work and cost estimates required for many renovation loans. This step helps protect your budget and keeps the process compliant.

Order a HUD Consultant
Contractor and homeowner agreeing on renovation work
The right scope makes a better handoff.
05

Hire Your Contractor

Choose a Contractor Who Understands the Process

Not every contractor is familiar with draw schedules, inspections, and renovation-loan requirements. The right contractor can make the construction phase much smoother.

Completed bright bathroom renovation
06 The plan becomes the finished home.

Chapter 03 ยท Execute

Close with clarity. Renovate with a plan.

06

Close & Renovate

Move Forward with Fewer Surprises

Once everything is in place, you close the loan and begin the renovation with a clear plan, proper oversight, and fewer surprises.

Makeover helps with

A coordinated process from start to finish.

EstimateTeamScopeRenovation

Built around preparation

Why This Process Works Better

Most delays and surprises in renovation loans come from missing information or the wrong team. Here's how we help prevent that.

01

Clear Numbers Early

You start with a realistic estimate instead of guessing.

Feasibility before commitment.
02

The Right Professionals

Lenders, consultants, and contractors who already understand renovation loans.

03

Fewer Surprises

Proper scopes, draw processes, and oversight help reduce costly missteps.

04

A Coordinated Path

Each step builds on the last so the process stays organized.