River City Mortgage
designed the BUY IT UGLY loan program
to maximize your borrowing power
using after-renovation value.

One Loan, One Payment.

Finance the home and renovations together. Roll the purchase price and renovation costs into a single loan. No juggling multiple loans or managing separate payments — just one streamlined mortgage.

Skip draining your savings. Renovations are funded within the mortgage, avoiding the need to pay large expenses out of pocket. Keep your savings intact while still customizing your home.

No Overwhelming Upfront Costs.

From Drab…

Transform any space with the budget built in.

Whether a bathroom refresh or a full-scale remodel, your renovation costs are part of the loan. Outdated spaces become modern showpieces without financial stress. It’s one loan, one payment, and a smoother path to your dream home. From kitchens and baths to outdoor upgrades, every improvement is covered—helping you move forward with confidence and enjoy the results sooner.

…to Fab.

Dream-Home Ready

Customize every detail before you move in. From kitchens to basements to luxury add-ons, design your home exactly how you want it.

Boost home value from day one. Renovations increase the home’s appraised value immediately. By financing based on after-renovation value, you build equity as soon as you move in.

Instant. Equity. Potential.

does it need…A POOL?..

with one seamless loan, we turn “a good house” into
THE PERFECT HOME

With a renovation loan from River City Mortgage, you can roll the cost of home improvements right into your mortgage — one loan, one payment, and endless possibilities.

Upgrade your home your way—whether that’s installing a pool, remodeling a kitchen or bathroom, or finishing a basement—without juggling multiple loans or draining your savings.

By using your after-renovation home value, you can maximize your borrowing power and bring your vision to life — beautifully, affordably, and without overwhelming upfront costs.

why settle for “almost perfect” when you can make it
EXACTLY RIGHT?

why buyers LOVE IT

Tailored to Your Taste

Move into a home tailored to your taste and needs without stressing your bank account.

Simplified Financing

Avoid juggling multiple loans or high-interest credit cards.

Modern Spaces, Made Simple

Transform dated spaces into modern showpieces — all in one process.

From Needs Work to Wow

Turn “needs work” into “wow” without the big upfront hit to your wallet.

turn that fixer upperinto yourDREAM HOME

(800) 631-6447 Apply Now

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Loan Programs

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How it Works

Turning a fixer-upper into your dream home takes planning and financing. We simplify it into four clear steps you can follow with confidence.

1. Find the Home

Don’t pass up a house just because it needs work. Choose the right location and layout, then let our program give you the budget to make it truly yours.

2. Plan Your Upgrades

Work with your contractor to design the improvements that matter most. From kitchens and bathrooms to basements and luxury touches, every detail can be tailored before you move in.

3. Roll it into One Loan

Combine the purchase price and renovation costs into a single, affordable mortgage. No juggling multiple loans or draining savings—just one smooth financing process that covers everything.

4. Move In & Watch It Transform

Settle into your new home and enjoy the excitement of seeing it evolve into your dream space. With financing and trusted contractors already in place, you can relax knowing the hard part is handled.

From search to move-in, every stage is organized and accounted for — so you know what’s next at each step.

dream homes don’t startPERFECTthey end up that way.

River City Mortgage

River City Mortgage
4555 Lake Forest Dr Suite 450
Cincinnati, OH, 45242

River City Mortgage designed the BUY IT UGLY loan program to maximize your borrowing power using after-renovation value.