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  1. United States
  2. Best Home Renovation Loan Companies
  3. Home Renovation Loan Companies in New York
  4. New York

Best Home Renovation Loan Companies in New York

2 in New York · 15 nearby
New York Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
2 +15 nearby
Average rating
4.3 8 reviews
What customers praise
recommend×3on time×1accommodating×1highly recommended×1
Renovation loansNew York, NY

1

Construction Loans Expert - Carmelo Vitello

Specializing in construction and renovation loans, Carmelo Vitello offers tailored financing solutions for new builds, remodeling, and multifamily property projects. The team supports clients through every step, providing options like construction-to-permanent loans and refinancing. Customers appreciate their knowledgeable guidance and smooth handling of complex loan processes.

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(914) 736-2855
Closed Now
125 Park Ave 18th Floor, New York, NY 10017, USA
2

Community Preservation Corporation

Since 1988, Carmelo Vitello helps homeowners new and old to get mortgage loans for construction, renovation, lot/land, or general purposes. My goal is to simplify the loan process for all of you as a National Certified Construction and Renovation Loans Specialist. I can help you achieve your goals. Let's get together and make your dream home come true. My banking expertise spans decades to assist… more...

Since 1988, Carmelo Vitello helps homeowners new and old to get mortgage loans for construction, renovation, lot/land, or general purposes. My goal is to simplify the loan process for all of you as a National Certified Construction and Renovation Loans Specialist. I can help you achieve your goals. Let's get together and make your dream home come true. My banking expertise spans decades to assist you in obtaining your mortgage, construction, lot, or renovation loan that will help make your home a true home. From loan qualification to signing to the final draw, I am there for you. Congratulations! You have just bought your house. Maybe you feel it is time to make some improvements or upgrade. I can help.

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(212) 869-5300
Closed Now
220 E 42nd St 16th floor, New York, NY 10017, USA
3

Fellowship Home Loans

Serves New York, NY

Known for their transparent and honest approach rooted in Christian values, Fellowship Home Loans has over fifteen years of experience guiding clients through various mortgage options, including renovation loans. The team offers clear communication and personalized support, helping borrowers navigate purchase, refinance, VA, reverse mortgage, and home equity loans. Customers appreciate their… more...

Known for their transparent and honest approach rooted in Christian values, Fellowship Home Loans has over fifteen years of experience guiding clients through various mortgage options, including renovation loans. The team offers clear communication and personalized support, helping borrowers navigate purchase, refinance, VA, reverse mortgage, and home equity loans. Customers appreciate their professionalism and stress-free process, though some note that interactions are often remote rather than in person.

Services & Prices
First Mortgage Quoted per loan
Home Equity Line of Credit (HELOC) Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(800) 804-7283
Closed Now
100 Merrick Rd #516e, Rockville Centre, NY 11570
General Services
Mortgage Services
4

Equity Now Inc.

Serves New York, NY

With nearly 40 years in mortgage servicing, Equity Now offers personalized renovation loan options focused on transparency and responsiveness. Their team handles loan management, refinancing, and payment processing while guiding clients through each step. Customers appreciate their clear communication and professionalism, though experiences with individual agents can vary.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(212) 664-8900
Closed Now
174 E Boston Post Rd, Mamaroneck, NY 10543
General Services
Mortgage Services
5

Madison Mortgage - Team Ben Lavender

Serves New York, NY

Madison Mortgage - Team Ben Lavender specializes in guiding clients through home financing with clear communication and transparency. They offer renovation loans and other mortgage services, with a focus on making the process smooth and responsive. Customers appreciate their honesty and thorough support, though some note occasional follow-up delays.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(917) 670-7878
Open 00:00 - 23:59
38 S Central Ave, Valley Stream, NY 11580
General Services
Mortgage Services
Where they are 17 on the map Click a pin for the profile and directions
6

Fairway Independent Mortgage Corporation

Serves New York, NY

Fairway Independent Mortgage Corporation is known for guiding clients through the mortgage process with clear communication and steady support. They offer renovation loans alongside other home financing options, with a team that stays responsive and attentive from application to closing. Some customers note the process can feel detailed, but appreciate the thorough explanations throughout.

Services & Prices
Home Buying Workshops Quoted per loan
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(718) 757-2088
Closed Now
49 W Merrick Rd Suite 200, Freeport, NY 11520
General Services
First-Time Home Buyer Support
7

Chris Gonzalez | Fairway Independent Mortgage Corporation Loan Officer

Serves New York, NY

Specializing in renovation loans, this team at Fairway Independent Mortgage Corporation guides clients through the mortgage process with clear communication and patience. They help borrowers understand each step and explore their options, making the experience manageable and supportive. Customers appreciate their responsiveness and thorough explanations throughout the loan journey.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
Pre-Approval Application Quoted per loan
View Profile
(516) 781-6600
Closed Now
49 W Merrick Rd Suite 200, Freeport, NY 11520
General Services
Mortgage Services
8

Sunrise Mortgage Company, Inc.

Serves New York, NY

With over 20 years of experience and licensing through state financial authorities, Sunrise Mortgage Company offers personalized mortgage solutions including home purchase loans and refinancing. Clients appreciate the team’s clear communication and hands-on guidance throughout the process, though some note the reliance on third-party providers for loan arrangements.

Services & Prices
Home Buying Assistance Quoted per loan
Refinancing Quoted per loan
View Profile
(516) 771-5600
Closed Now
49 Guy Lombardo Ave, Freeport, NY 11520
General Services
Mortgage Services
9

Affinity Beyond Capital

Serves New York, NY

Affinity Beyond Capital focuses on providing funding solutions for small businesses, including renovation loans and working capital. The team aims to guide clients through the loan process with personalized attention and prompt funding. While many appreciate their professionalism and support, some customers have found their follow-up communications overly persistent.

Services & Prices
Small Business Loans Quoted per loan
Project Financing Quoted per loan
Payroll Funding Quoted per loan
Short-Term Loans Quoted per loan
View Profile
(516) 928-5405
Closed Now
108 S Franklin Ave # 15, Valley Stream, NY 11580
General Services
Capital Funding
10

Rock East Funding

Serves New York, NY

Rock East Funding specializes in renovation and construction loans tailored for real estate investors and developers. Their team handles everything from underwriting to closing, often working quickly to accommodate complex projects and changing timelines. Customers appreciate their responsiveness and straightforward approach, though some projects may require detailed coordination given the scope… more...

Rock East Funding specializes in renovation and construction loans tailored for real estate investors and developers. Their team handles everything from underwriting to closing, often working quickly to accommodate complex projects and changing timelines. Customers appreciate their responsiveness and straightforward approach, though some projects may require detailed coordination given the scope of work.

Services & Prices
Residential Loans Quoted per loan
Commercial Loans Quoted per loan
Construction Financing Quoted per loan
Short-term Financing Quoted per loan
View Profile
(516) 775-8800
Closed Now
670 Long Beach Blvd, Long Beach, NY 11561
General Services
Real Estate Financing
11

Jamie Gallagher | Loan Officer

Serves New York, NY

Specializing in renovation and construction loans, this team offers clear guidance and steady communication throughout the mortgage process. They assist with everything from first-time home purchases to financing ongoing projects, with clients appreciating their patience and thorough explanations. While the process can be detailed, the team’s responsiveness helps keep things on track.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Construction Loans Quoted per loan
View Profile
(917) 940-2819
Closed Now
49 W Merrick Rd Suite 200, Freeport, NY 11520
General Services
Mortgage Services
12

Rene Anthony Gonzalez | Fairway Independent Mortgage Corporation Branch Manager

Serves New York, NY

Fairway Independent Mortgage Corporation offers a wide range of renovation loan options backed by over 30 years of industry experience and a transparent, client-focused approach. The team provides personalized guidance throughout the mortgage process, with many customers appreciating their responsiveness and smooth closings, though some note occasional challenges with rate locking.

Services & Prices
Fixed Rate Mortgage Quoted per loan
Adjustable Rate Mortgage Quoted per loan
FHA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(516) 972-9665
Closed Now
49 W Merrick Rd Suite 200, Freeport, NY 11520
General Services
Home Mortgage
13

Alternative Funding Solutions

Serves New York, NY

Alternative Funding Solutions focuses on providing transparent guidance for business financing, including lines of credit that help fund projects upfront. The team is praised for clear communication and thorough support throughout the process, though some customers have noted delays and inconsistent follow-up in a few cases.

Services & Prices
Business Line of Credit Quoted per loan
Business Cash Advance Quoted per loan
Equipment Financing Quoted per loan
Cash Advance Quoted per loan
View Profile
(929) 593-4442
Closed Now
348 RXR Plaza, Uniondale, NY 11553
General Services
Funding Services
14

South Shore Funding

Serves New York, NY

Specializing in small business financing, South Shore Funding offers term loans, lines of credit, and asset-based loans tailored to various growth stages. Clients appreciate the team’s transparent communication and personalized guidance, though some note an upfront fee for their service. The company focuses on responsible lending and quick fund disbursement to support business needs.

Services & Prices
SBA Loans Quoted per loan
Lines of Credit Quoted per loan
Merchant Cash Advances Quoted per loan
MCA Debt Solutions Quoted per loan
View Profile
(516) 431-3100
Closed Now
20 W Park Ave, Long Beach, NY 11561
General Services
Business Loans
15

4 Star Capital

Serves New York, NY

4 Star Capital is among the top ten due to its expert-driven advice, including hip transparency and competitive pricing. Positive results under the statements, furthermore, its 98% client satisfaction rate, personalized attention, and extensive services like VA, FHA, and tailored non-QM loans. Steve Thomas, the CEO and a specialist, and his team play an essential role in providing the right… more...

4 Star Capital is among the top ten due to its expert-driven advice, including hip transparency and competitive pricing. Positive results under the statements, furthermore, its 98% client satisfaction rate, personalized attention, and extensive services like VA, FHA, and tailored non-QM loans. Steve Thomas, the CEO and a specialist, and his team play an essential role in providing the right mortgages, with most loan processes done within days. Customers praise the integrity, speed, and effort needed to make the process easier and faster. 4 Star Capital's licensed, trusted, and focused service in New York and Florida distinguishes it from competitors.

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(516) 368-5480
Closed Now
165 N Village Ave # 125, Rockville Centre, NY 11570
16

Michael Bauer | Lightning Funding - Mortgage Broker

Serves New York, NY

Client testimony places Michael Bauer as a top-10 mortgage broker. Customers praise his exceptional customer service, availability, and expertise. They claim that his counsel during the mortgage loan process is invaluable because he is consistently available, wise, and attentive to detail. Others give him 11 out of 10 stars for his dedication to the job and continuous support, which makes them… more...

Client testimony places Michael Bauer as a top-10 mortgage broker. Customers praise his exceptional customer service, availability, and expertise. They claim that his counsel during the mortgage loan process is invaluable because he is consistently available, wise, and attentive to detail. Others give him 11 out of 10 stars for his dedication to the job and continuous support, which makes them feel like part of the functional family. Creating a family bond with clients and being available 24/7 helps Bauer stand out as a mortgage broker, which is why consumers prefer him.

View Profile
(516) 972-5253
Closed Now
49 W Merrick Rd Suite 200, Freeport, NY 11520
17

Chris Roberti AKA Mr. Mortgage - NMLS #14701

Serves New York, NY

About LoanDepotLoanDepot is a leading mortgage lender dedicated to providing a seamless home loan experience. With a focus on innovation and customer service, the company offers a wide range of mortgage products including purchase, refinance, and home equity loans. Established with the goal of simplifying the mortgage process, LoanDepot leverages technology to streamline applications and… more...

About LoanDepotLoanDepot is a leading mortgage lender dedicated to providing a seamless home loan experience. With a focus on innovation and customer service, the company offers a wide range of mortgage products including purchase, refinance, and home equity loans. Established with the goal of simplifying the mortgage process, LoanDepot leverages technology to streamline applications and approvals, making homeownership more accessible. Their team of experienced professionals is committed to guiding clients through every step, ensuring transparency and support. The company values integrity, transparency, and customer satisfaction, setting them apart from traditional lenders. Their mission is to empower consumers with the tools and knowledge needed to make informed financial decisions, fostering long-term relationships built on trust and reliability.CredibilityLoanDepot holds numerous industry certifications and memberships, reflecting its commitment to quality and compliance. The company is accredited by the Better Business Bureau and has received high customer ratings for service excellence. With over a decade of experience in the mortgage industry, LoanDepot has built a reputation for reliability and innovation. Their team includes licensed professionals with extensive industry knowledge, ensuring clients receive expert guidance. The company offers guarantees on their services and maintains transparency in their dealings, reinforcing trust with consumers. Their adherence to regulatory standards and active participation in industry associations demonstrate their credibility and dedication to best practices.OfferingsLoanDepot offers a comprehensive suite of mortgage solutions tailored to meet diverse client needs. Their services include home purchase loans, refinancing options, and home equity lines of credit. They serve a broad geographic area, providing personalized support through digital tools and local branches. The process emphasizes simplicity and speed, with online applications, pre-approvals, and quick closings. Clients benefit from competitive interest rates, flexible terms, and expert advice to select the best mortgage product. The company also provides educational resources, calculators, and customer support to facilitate informed decision-making. Their offerings are designed to make homeownership attainable and refinancing straightforward, with a focus on transparency and customer satisfaction.Unique AdvantagesLoanDepot distinguishes itself through its innovative digital platform and extensive industry experience. The company's founder has a background in finance and technology, driving its commitment to streamlining the mortgage process. With multiple locations and a dedicated team of licensed professionals, LoanDepot offers personalized service combined with technological efficiency. Their lifetime guarantee on certain refinancing products and high customer satisfaction ratings further set them apart. The company's active community involvement and industry awards underscore its reputation for excellence and trustworthiness.

View Profile
(516) 993-7359
Closed Now
30 Hempstead Ave Ste. 139, Rockville Centre, NY 11570

New York Home Improvement Loan Statistics

Home-improvement lending in New York County and home costs in New York, NY (latest HMDA and Census data)

Lenders made 165 home-improvement loans in New York County in 2025 (average about $2,766,000) and denied 260 — 61% of decided applications, compared with 39% across New York, according to federal mortgage data (HMDA, CFPB). The typical home in New York was built in 1952 and is worth $777,600 (Census ACS 2020–2024).

Home-improvement loans, 2025
165▼ 2%169 in 2024
Denial rate
61%NY 39%
Median year homes built
1952NY 1959
Median home value
$777,600NY $423,800
Home-purchase loans made (New York County, 2025)
5,420
Refinance loans made (2025)
1,536
Average home-improvement loan
$2,766,000 (NY $174,000)
Owners with a mortgage
56% · 44% of them spend 30%+ of income on housing
Median household income
$80,483 (NY $85,974)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in New York County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Frequently asked questions

8 questions
How do I choose the best home renovation loan company in New York?
Consider verified reviews, ratings, review volume, and if the business has claimed its profile. TrustAnalytica ranks companies using these data-driven criteria.
What services do home renovation loan companies provide?
They offer loans for home improvements, including repairs, remodels, and upgrades. Services typically include loan consultation, application processing, and funding.
Are free consultations common with home renovation loan companies?
Yes, many companies offer free consultations to discuss loan options and assess renovation needs before proceeding with an application.
What questions should I ask a home renovation loan company?
Ask about interest rates, loan terms, fees, application process, and eligibility requirements to ensure you understand the loan agreement fully.
How long does it take to process a home renovation loan in New York?
The process typically takes a few weeks, depending on the lender and complexity of the renovation project.
Do I need a home renovation loan company for small projects?
For small projects, personal loans or savings might suffice, but renovation loans can offer better rates for larger projects.
How do fees typically work for home renovation loans?
Fees can include origination fees, appraisal fees, and closing costs. These vary by lender, so inquire about all potential fees upfront.
What are common eligibility requirements for renovation loans?
Eligibility often depends on credit score, income, and property value. Lenders may have specific criteria, so check with them directly.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for New York is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in New York are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in New York.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in New York, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in New York.

5

AI Search Visibility

Every renovation loans listing in New York is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.