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Renovation Financing

Turn the House You Like Into
The Home You Love

Don't put your dream renovation on hold.

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Many homeowners are surprised to learn that renovation costs may be financed through specialized renovation loan programs, allowing qualified borrowers to combine home improvements with their mortgage.

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Whether you're planning a kitchen remodel, bathroom renovation, room addition, accessibility upgrades, or whole-home transformation, financing options may be available to help make your project a reality.

Schedule a Ground Zero Development Group renovation with our lending specialist Barb Spitzock at EPIQ Lending, to explore your options.

What Can Renovation Financing Be Used For?

Ground Zero Development Group specializes in helping homeowners transform their existing homes into spaces that better fit their lifestyle and goals.

Depending on the financing program and borrower qualifications, renovation financing may be available for projects such as:

  • Luxury kitchen remodels

  • Designer bathroom renovations

  • Open-concept living space transformations

  • Room additions and home expansions

  • Primary suite renovations

  • Home office conversions

  • Multi-generational living spaces

  • Laundry room and mudroom remodels

  • Interior modernization and reconfiguration

  • Custom cabinetry and built-ins

  • Flooring upgrades throughout the home

  • Interior and exterior aesthetic improvements

  • Outdoor living spaces and entertainment areas

  • Swimming pools and backyard transformations

  • Aging-in-place and accessibility modifications

  • Whole-home renovations

Whether you're updating a recently purchased home or reinventing the one you already own, renovation financing may help make your vision a reality.

Benefits of Renovation Financing

Accountant

One Project

One Loan

Instead of using credit cards, personal loans, or draining savings, qualified homeowners may be able to combine renovation costs into a single financing solution.

School Soccer Game

Improve

Instead of Move

Love your neighborhood but need a better home? Renovation financing may help you stay where you are while creating the space you want.

Purchase and

Renovate

Some programs allow buyers to purchase a home and finance improvements as part of the transaction, opening opportunities on homes that need updating.

House Under Construction

Finance

Larger Projects

Major renovations that may seem out of reach can become more manageable through specialized renovation lending programs.

Stack of Cash

How the Process Works

  1. Meet with Ground Zero Development Group to discuss your renovation goals.

  2. Speak with renovation lending specialist Barb Spitzock to explore financing options.

  3. Receive preliminary financing guidance.

  4. Work with Ground Zero to develop a project scope and budget.

  5. Complete lender approval and closing requirements.

  6. Begin construction and transform your home.

Meet Our Renovation Financing Partner

Barb Spitzock

Senior Loan Officer   •  NML#1607902

Ground Zero Development Group proudly works with Barb Spitzock of EPIQ Lending to help clients explore renovation financing options that may fit their goals and budget.

Important Financing Information

Ground Zero Development Group LLC is a licensed contractor and is not a mortgage lender. All financing programs, approvals, terms, rates, eligibility requirements, and loan decisions are provided solely by EPIQ Lending and its representatives. Financing is subject to credit approval and program guidelines.

© 2025 Ground Zero Development Group LLC. All rights reserved • dba|Jan Elizabeth Design

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