The Makeover process

How It Works

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

Scroll to See the Process

One connected journey

Six Steps from Possibility to Renovation

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

  1. Outdated kitchen being evaluated for renovation

    Step 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.

    Approved download link pending

  2. Lender helping clients understand renovation financing

    Step 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.

    Makeover helps with

    Matching you with renovation-savvy lenders.

    Get Introduced
  3. Home buyers meeting with a renovation-loan professional

    Step 03 Find or 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.

  4. Map of Makeover HUD consultant coverage across the United States

    Step 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.

    Makeover helps with

    Easy ordering and access to experienced consultants.

    Order a HUD Consultant
  5. Contractor and homeowner agreeing on renovation work

    Step 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.

    Makeover helps with

    Connecting you with contractors who understand how renovation loans work.

    Find renovation-ready professionals
  6. Completed bright bathroom renovation

    Step 06 Close and Renovate

    Close with Clarity and Move Forward

    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.

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.

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.

Take the first step

Ready to Start Your Makeover?

Start with an early estimate or connect with the right renovation-loan professionals.

Order a HUD Consultant Build Your Team