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Howard Nordberg

Renovation Specialist

2240 Douglas Blvd #200, Roseville, CA 95661
Own what matters

About Me

My background in mortgage lending began in 1979. I have worked both in the operations side (processing and underwriting) as well as sales. In addition to my NMLS ID, I currently hold a Direct Endorsement from FHA. I specialize in Renovation and Construction to Perm financing and trained underwriters in those areas as well.

I have a passion for Renovation and new construction. I make myself available to those who may have questions about the type of financing they may be interested in.

My goal is to make sure that you receive the loan program that best suits your needs. I want to share in your dream of making your home, YOUR HOME

What is the Renovation Mortgage Program?

Renovation mortgages allow homebuyers/homeowners to purchase/refinance a home plus make improvements.

·        One application, one loan approval, one closing and one monthly mortgage payment.

·        Financing based on an appraiser’s estimated “After Improved Value” of the property.

·        Conventional Homestyle and FHA 203K loan options are available.

·        Owner-occupied, second home and investment properties are available.

·        Finance homes in most any condition.

·        Renovation can be for remodels/repairs/upgrades/square footage additions, accessory dwelling units (ADU)

Who can benefit from Renovation Mortgage Loans?

Homebuyers can:

·        Purchase and Renovate less than perfect home where traditional financing is not an option due to the current property “as is” conditions.

·        Address property health, safety and code violation problems.

·        Finance homes in most any condition and make improvements from basic repairs or upgrades, to extensive additions or renovations

·        Owner-occupied, second home and investment properties are available.

·        Pay for the improvements over the course of the mortgage term

Homeowners can:

·        Remodel, upgrade or expand to enhance the value of their home

·        Finance the expense of remodel projects or home repairs

Real Estate Agents can:

·        Move hard to sell listings by helping potential buyers envision remodeling possibilities

·        Overcome the challenges of selling a home in need of repairs, such as aged homes or fixer uppers.

·        Make seller aware of mortgage with renovation financing so they can list their fixer upper “as is” without making any repairs and market this financing option with their listing

·        Makes aged properties more marketable to new generation of buyers that are interested in purchasing and remodeling homes.

·        Increases the number of potential buyers, sets the agent apart from their competition.

Investors can:

·        Purchase a property that is in need of repairs, updates or structural additions.

·        Project flexibility – Improvements can range from basic repairs or upgrades, to more extensive additions or remodels

Contractors can:

·        Provide their customers with information about mortgages with renovation financing and connect them with a renovation loan specialist

·        Customers can move with their project sooner

·        Complete the improvements as planned without compromising on budget

Neighborhood civic groups can:

·        Promote renovation mortgages to advance community revitalization and beautification projects

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The perfect home loan for you

We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

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NMLS ID #448480
I am authorized to do business in the states of California and Utah. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;