Unsecured Personal Loans
An unsecured personal loan lets you borrow a fixed amount based on your creditworthiness — no collateral or home equity required. Funds are typically available faster than home-secured financing.
- No collateral or equity needed
- Fast approval and funding timelines
- Well suited for smaller renovations or repairs
PACE Financing
PACE (Property Assessed Clean Energy) financing funds energy-efficiency, resiliency, and storm-hardening improvements — like impact windows, metal roofing, and HVAC — with repayment made through your property tax bill rather than a traditional loan.
- Financing tied to the property, not the individual
- Repaid over time through property taxes
- Common for roofing, windows, and energy upgrades
FHA 203k Loans
An FHA 203k loan combines the purchase or refinance of a home with the cost of its renovation into a single, government-backed mortgage — a strong fit for older or fixer-upper properties in need of significant work.
- Combines purchase/refinance and renovation costs
- Backed by the FHA, often with flexible credit requirements
- Ideal for major structural or full-property renovations
Getting Started
Tell Us About Your Project
Share your scope of work and budget so we can scope out financing needs together.
Connect With A Lender
We introduce you to lending partners experienced with personal, PACE, and 203k financing.
Get Approved
Your lender walks you through terms, rates, and approval based on your specific situation.
We Start Building
Once financing is in place, Valencia Group manages the project from start to finish.
Valencia Group is not a lender and does not provide financial or lending advice. Financing options are offered through third-party lending partners; all loan terms, rates, and approval are determined solely by the lender. PACE financing availability varies by municipality. FHA 203k loans are subject to FHA program requirements. Please consult a licensed financial advisor or lender to determine the best option for your situation.