Home / Financing
Enjoy a worry free purchase process
At Hapi Homes, we believe that financing your dream home should be a seamless and stress-free experience. That’s why we offer a range of financing options to suit your individual needs. Whether you’re looking to leverage your existing equity or explore other financing avenues, we have solutions to help you make your Hapi Home a reality.
RenoFi Loans are the best of both worlds. Like a construction loan, the homeowner can borrow based on the after-renovation value, thus unlocking significant borrowing power. But, it’s a Home Equity Loan, so the homeowner doesn’t need to refinance their existing mortgage. No one will give up their 3% rate to go into a 7% mortgage.
Additionally, 100% of the funds are available to the homeowner at closing; there are no draws or inspections like there usually would be with a construction loan. No headaches for you, no delays in getting paid.
The financing comes from Credit Unions; thus, the rates and fees are as competitive as any homeowner could find—loan product options for ADU projects of all sizes.
Homeowners can borrow up to $500,000, leveraging the future value of homes post-renovation (up to 90% after-renovation loan-to-value). Future rental income can be considered, too.
Contact Madelyn Schmidte: madelyn@renofi.com and book a call https://renofi.chilipiper.com/me/madelyn-schmidt/hapi-homes
An option for homeowners with significant equity in their property. By refinancing, you can access the equity built in your home to finance your Hapi Home.
Another option for homeowners with significant equity in their property. A HELOC allows you to borrow against the equity in your home, providing the funds needed for your Hapi Home.
It is commonly used by homeowners planning to rent out their ADU, but it is also a potential fit for owner-users.
A construction loan provides the financing needed during the construction phase of your Hapi Home.
This option caters to investors who request no monthly payment for ten years, with a small equity share for repayment in 10 years.
It provides an alternative financing solution for specific investment scenarios.
Hapi Homes Calculator 
– Let’s homeowners see today’s rates and payments in seconds.
Hapi Homes Pre-Qual – Let’s homeowners pre-qualify and review tailored loan options in minutes.
Hapi Homes Pre-Qual –Hapi Homes Direct Booking Link – Direct link to my calendar that allows your team or homeowners to book a Discovery Call to learn more about rates and payments.
Acorn Finance is a lending marketplace where the nation’s premier online consumer lenders pre-qualify customers for personalized loan options in 60 seconds, with no impact to the homeowner’s credit score. Acorn Finance uses an initial soft credit inquiry to provide access to competitive, fixed-rate loans through a fast and easy online process.
A personal loan is a financial product that allows you to borrow and pay money back over time by making fixed monthly payments.
Personal loans have fixed interest rates and typically have terms ranging from 2 to 12 years.
Depending on the offer’s specifics, They may also be unsecured (no collateral) or secured (collateral required).
A line of credit is a financial product you can borrow from at any time based on a preset limit.
As long as your account is open and their credit remains in good standing, they can borrow up to the maximum amount and pay interest only on the amount you borrow.
As it is paid off over time, that credit may become available again for you to borrow from.
RenoFi Loans are the best of both worlds. Like a construction loan, the homeowner can borrow based on the after-renovation value, thus unlocking significant borrowing power. But, it’s a Home Equity Loan, so the homeowner doesn’t need to refinance their existing mortgage. No one will give up their 3% rate to go into a 7% mortgage.
Additionally, 100% of the funds are available to the homeowner at closing; there are no draws or inspections like there usually would be with a construction loan. No headaches for you, no delays in getting paid.
The financing comes from Credit Unions; thus, the rates and fees are as competitive as any homeowner could find—loan product options for ADU projects of all sizes.
Homeowners can borrow up to $500,000, leveraging the future value of homes post-renovation (up to 90% after-renovation loan-to-value). Future rental income can be considered, too.
An option for homeowners with significant equity in their property. By refinancing, you can access the equity built in your home to finance your Hapi Home.
Another option for homeowners with significant equity in their property. A HELOC allows you to borrow against the equity in your home, providing the funds needed for your Hapi Home.
It is commonly used by homeowners planning to rent out their ADU, but it is also a potential fit for owner-users.
A construction loan provides the financing needed during the construction phase of your Hapi Home.
This option caters to investors who request no monthly payment for ten years, with a small equity share for repayment in 10 years.
It provides an alternative financing solution for specific investment scenarios.
Hapi Homes Calculator – Let’s homeowners see today’s rates and payments in seconds.
Hapi Homes Pre-Qual – Let’s homeowners pre-qualify and review tailored loan options in minutes.
Hapi Homes Pre-Qual –Hapi Homes Direct Booking Link – Direct link to my calendar that allows your team or homeowners to book a Discovery Call to learn more about rates and payments.
Acorn Finance is a lending marketplace where the nation’s premier online consumer lenders pre-qualify customers for personalized loan options in 60 seconds, with no impact to the homeowner’s credit score. Acorn Finance uses an initial soft credit inquiry to provide access to competitive, fixed-rate loans through a fast and easy online process.
A personal loan is a financial product that allows you to borrow and pay money back over time by making fixed monthly payments.
Personal loans have fixed interest rates and typically have terms ranging from 2 to 12 years.
Depending on the offer’s specifics, They may also be unsecured (no collateral) or secured (collateral required).
A line of credit is a financial product you can borrow from at any time based on a preset limit.
As long as your account is open and their credit remains in good standing, they can borrow up to the maximum amount and pay interest only on the amount you borrow.
As it is paid off over time, that credit may become available again for you to borrow from.
We will guide you through every step—whether you’re ready to build or just exploring your options.
