Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Buy it, fix it, finance it all in one loan.
Renovation loans let Ron roll the purchase price and the cost of the work into a single mortgage.
Found a home with good bones but a dated kitchen? Or a great price that comes with a to-do list? A renovation loan lets you buy the home and fund the improvements with one loan and one monthly payment.
Here's what makes it work: your loan is based on what the home will be worth after the work is done, not its condition today. So you can look past the shag carpet and the wallpaper, and turn a house that needs some love into the one you actually want.
It opens up more homes, too. The fixer-upper everyone else scrolls past could be your best option — and Ron can help you spot it.
Conventional renovation
(Fannie Mae HomeStyle)
The most flexible renovation loan Ron offers. It covers everything from minor updates to major structural work, and it's the only one that allows luxury add-ons like an in-ground pool or an outdoor kitchen. It also works for primary homes, second homes, and investment properties.
FHA construction-to-permanent
Great for improvements that also make your home more resilient. Along with standard updates, it can fund storm, flood, and wildfire protection, so your home is readier for whatever the weather brings.
VA construction-to-permanent
A flexible, lower-barrier way to renovate, and it comes in two sizes. The Limited version handles cosmetic updates like paint, flooring, and fixtures. The Standard version takes on bigger, structural projects. Ron will match you to the right one based on your project's scope.
VA renovation
For eligible veterans and service members who want to buy a home that needs some work. It covers a wide range of repairs, including structural, with the same perks that make VA loans stand out, like no monthly mortgage insurance.
USDA renovation
For buyers in eligible rural areas who want to fix up as they buy. Like FHA, it comes in a Limited version for cosmetic updates and a Standard version for bigger repairs, often with no down payment for those who qualify. Ask Ron whether your area is eligible.
Renovation loans take a little extra coordination, like contractor bids and a few approvals, and Ron keeps the whole thing on track.
Renovation loans take a little extra coordination, like contractor bids and a few approvals, and Ron keeps the whole thing on track.
See what’s possible.
Tell Ron about your home and your land, and he'll map out the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com
Licensing
Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Buy it, fix it, finance it all in one loan.
Renovation loans let Ron roll the purchase price and the cost of the work into a single mortgage.
Found a home with good bones but a dated kitchen? Or a great price that comes with a to-do list? A renovation loan lets you buy the home and fund the improvements with one loan and one monthly payment.
Here's what makes it work: your loan is based on what the home will be worth after the work is done, not its condition today. So you can look past the shag carpet and the wallpaper, and turn a house that needs some love into the one you actually want.
It opens up more homes, too. The fixer-upper everyone else scrolls past could be your best option — and Ron can help you spot it.
Conventional renovation
(Fannie Mae HomeStyle)
The most flexible renovation loan Ron offers. It covers everything from minor updates to major structural work, and it's the only one that allows luxury add-ons like an in-ground pool or an outdoor kitchen. It also works for primary homes, second homes, and investment properties.
Freddie Mac CHOICERenovation
Great for improvements that also make your home more resilient. Along with standard updates, it can fund storm, flood, and wildfire protection, so your home is readier for whatever the weather brings.
FHA 203(k)
A flexible, lower-barrier way to renovate, and it comes in two sizes. The Limited version handles cosmetic updates like paint, flooring, and fixtures. The Standard version takes on bigger, structural projects. Ron will match you to the right one based on your project's scope.
VA renovation
For eligible veterans and service members who want to buy a home that needs some work. It covers a wide range of repairs, including structural, with the same perks that make VA loans stand out, like no monthly mortgage insurance.
USDA renovation
For buyers in eligible rural areas who want to fix up as they buy. Like FHA, it comes in a Limited version for cosmetic updates and a Standard version for bigger repairs, often with no down payment for those who qualify. Ask Ron whether your area is eligible.
Renovation loans take a little extra coordination, like contractor bids and a few approvals, and Ron keeps the whole thing on track.
See what’s possible.
Tell Ron about your home and your land, and he'll map out the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com
Licensing
Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Buy it, fix it, finance it all in one loan.
Renovation loans let Ron roll the purchase price and the cost of the work into a single mortgage.
Found a home with good bones but a dated kitchen? Or a great price that comes with a to-do list? A renovation loan lets you buy the home and fund the improvements with one loan and one monthly payment.
Here's what makes it work: your loan is based on what the home will be worth after the work is done, not its condition today. So you can look past the shag carpet and the wallpaper, and turn a house that needs some love into the one you actually want.
It opens up more homes, too. The fixer-upper everyone else scrolls past could be your best option — and Ron can help you spot it.
Options for every kind of project
Conventional renovation
(Fannie Mae HomeStyle)
The most flexible renovation loan Ron offers. It covers everything from minor updates to major structural work, and it's the only one that allows luxury add-ons like an in-ground pool or an outdoor kitchen. It also works for primary homes, second homes, and investment properties.
Freddie Mac CHOICERenovation
Great for improvements that also make your home more resilient. Along with standard updates, it can fund storm, flood, and wildfire protection, so your home is readier for whatever the weather brings.
FHA 203(k)
A flexible, lower-barrier way to renovate, and it comes in two sizes. The Limited version handles cosmetic updates like paint, flooring, and fixtures. The Standard version takes on bigger, structural projects. Ron will match you to the right one based on your project's scope.
VA renovation
For eligible veterans and service members who want to buy a home that needs some work. It covers a wide range of repairs, including structural, with the same perks that make VA loans stand out, like no monthly mortgage insurance.
USDA renovation
For buyers in eligible rural areas who want to fix up as they buy. Like FHA, it comes in a Limited version for cosmetic updates and a Standard version for bigger repairs, often with no down payment for those who qualify. Ask Ron whether your area is eligible.
Renovation loans take a little extra coordination, like contractor bids and a few approvals, and Ron keeps the whole thing on track.
See what’s possible.
Send Ron the listing (or the dream), and he'll help you figure out what it could become and how to finance it.Tell Ron about your home and your land, and he'll help you find the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com205.504.6823Licensing