Many homebuyers dream of finding a house with potential, the one that’s “almost perfect” except for the outdated kitchen, worn flooring, or old roof. The common plan is to buy now and fix later. It sounds reasonable: get settled, save up, and renovate when the time feels right.

But in reality, “later” often turns into years of postponed projects, higher costs, and ongoing frustration. Prices rise, life gets busy, and what once felt like a quick weekend project becomes a full-scale renovation that’s harder to start and more expensive to finish.

That’s why River City Mortgage’s BuyItUgly program flips the script. Instead of waiting, you can buy and renovate in one step with a single loan. It’s a smarter, simpler way to move into the home you want, not the one you’ll “fix someday.”

One Loan. One Process. One Move-In.

With BuyItUgly, your home purchase and renovation costs are combined into a single mortgage. There’s only one approval, one closing, and one monthly payment, no second loan or credit card needed later. Since the financing happens upfront, you avoid juggling multiple lenders or paying higher interest rates on personal loans or credit lines.

After closing, renovation work begins right away, handled by licensed contractors. That means you can focus on moving in while your home transforms. Instead of putting off updates for years, you’ll start seeing progress soon after you close, and before long, your new home will feel exactly how you imagined it.

Immediate Comfort, Long-Term Value

Since BuyItUgly finances your home based on its after-renovation value, you’re building equity from the start, not years later after spending more out of pocket. Every improvement increases both your comfort now and your property’s worth long term. And since projects are completed at today’s prices, you lock in savings before material and labor costs climb even higher.

Beyond the financial benefits, there’s peace of mind. Licensed contractors handle the work, and the process is guided every step of the way to keep things on schedule and on budget. You don’t have to chase bids or coordinate construction; it’s all managed for you.

Buying a home that needs work doesn’t mean settling or waiting. With River City Mortgage’s BuyItUgly program, you can purchase and personalize your home in one seamless step without draining your savings or taking on extra loans later.

You get the home you want, the upgrades you love, and the comfort you deserve right from the start.