Have you ever found a home in the perfect neighborhood that just needs a little work? Maybe the kitchen feels outdated, or the flooring has seen better days. Most buyers walk away from homes like that; not because they lack potential, but because financing renovations later can be complicated and expensive.
That’s where BuyItUgly from River City Mortgage changes the game. This unique program lets you buy and renovate in one simple step, combining your home purchase and renovation costs into a single mortgage. One loan. One payment. One smooth process from start to finish.
Why Buyers Love BuyItUgly
BuyItUgly was designed for homebuyers who can see beyond what a house looks like today and imagine what it could be. Instead of waiting for the “perfect” listing, you can create your dream home right where you want to live.
- Personalize your space: Choose your finishes, your colors, your layout, and move into a home that truly reflects your style.
- Simplify your financing: Skip multiple loans or high-interest credit cards. With BuyItUgly, everything (purchase and improvements) is rolled into one manageable payment.
- Build value right away: Smart renovations not only improve your comfort but can also increase your home’s value from day one.
- Expand your options: Older homes or properties that need a little love become real possibilities, especially in competitive markets where move-in-ready homes go fast.
What Can You Renovate?
BuyItUgly covers nearly any project that enhances safety, comfort, or livability. From simple upgrades to major transformations:
- Kitchen and bathroom remodels
- New flooring, paint, or roofing
- Energy-efficient improvements
- Room additions or finished basements
- Accessibility or safety upgrades
If it helps make the home better suited to your lifestyle, it likely qualifies!
Make Your Move with River City Mortgage
With BuyItUgly, you don’t have to settle for “almost perfect.” You can buy the right home, in the right location, and make it everything you’ve envisioned. All with one mortgage and one guided process.
Ready to see the potential? Talk to River City Mortgage today about how BuyItUgly can help you finance both the home and the upgrades. Together, we’ll turn what’s “ugly today” into perfect tomorrow.