4.6 on Google · 39 Reviews BBB Accredited MHIC #149066

Financing · Baltimore Area

Financing your renovation. Honestly.

0% APR up to 72 months on qualifying projects. Fixed-APR up to $500K on the rest. We work with vetted lenders — no card-stacking, no HELOC pressure.

Three Lender Paths

Three lenders. One honest match.

We don't push a single product. We match the lender to the project — based on size, credit profile, and what's actually going to work for you.

01

SFC

Best for: Mid-to-large residential ($20K–$90K+)

0% APR up to 72 months

Truist subsidiary. 80+ financing programs. Their EPNI program is the only true 0% interest financing available at scale for renovations. Quick approval. Available to a wide credit range.

Learn more

02

HFS Financial

Best for: Large rehabs ($100K–$500K)

Up to $500K · 20-year terms

Fixed-APR renovation financing. Better terms than personal loans at this size. Our rep Jenna Barron has closed dozens of MBR projects.

Learn more

03

FHA 203(k) Loans

Best for: Home purchase + renovation combined

One mortgage. Buy + Rebuild.

If you're buying a home that needs work, you can finance both in one FHA loan. MBR has an in-house FHA Consultant and engineers — most contractors don't.

Learn more

The honesty section

What we won't pitch.

  • Stacking 0% credit cards. They expire, the rate jacks, and you’re stuck.
  • HELOC pressure if you closed on your house less than 6 months ago.
  • Subprime "instant approval" lenders with 27% rates.
  • Hearth or other lead-flip platforms that sell your info.

If you don't qualify for SFC, HFS, or 203(k), we'll tell you on the walkthrough. We'd rather lose the deal than burn you.

Process

How financing actually moves.

  1. 01

    Free Walkthrough

    We come to the property. Review scope. Real number within 48 hours.

  2. 02

    Lender Match

    Based on your project size and credit profile, we recommend SFC, HFS, or 203(k).

  3. 03

    Apply

    Soft pull first (no credit hit). Hard pull only after pre-qualification.

  4. 04

    Close + Start

    Funds wired to MBR (escrowed for 203k). We start within 30 days of close.

Realistic Examples

Real projects. Real loan matches.

Kitchen + bath bundle

$42K, 6 weeks

SFC EPNI 0% / 60 mo

$700/mo

Whole-home rehab

$145K, 16 weeks

HFS Financial fixed-APR / 15 yr

~$1,150/mo at 7.5%

203k purchase + reno

$300K home + $80K reno

FHA 203(k) Standard

Single mortgage

EXAMPLES ARE ILLUSTRATIVE. ACTUAL RATES, TERMS, AND APPROVAL DEPEND ON CREDIT, INCOME, PROPERTY, AND LENDER. MBR IS NOT A LENDER OR FINANCIAL ADVISOR. WE INTRODUCE QUALIFIED PROJECTS TO OUR LENDER PARTNERS.

Client Reviews
4.6 39 reviews · Google

“Steve and his team did a great job on my kitchen remodel. Sergio & Frank were respectful and did clean, quality work. Steve made sure to take care of any questions or concerns that I had. From the demo phase, to installing cabinets, granite & plumbing, the process went smoothly. The kitchen looks great and I will be going back to these guys for more work in the future!”

— Leon Wilson

“I cannot recommend Monarch Bay Renovations enough! We met with a lot of companies to install our new floors and no one compared to the customer service and pricing. Steve was always very responsive and flexible to work with. Even when we had some asks after the project was complete, he didn't hesitate to help. We had a great experience!”

— Janelle Schleicher

“Monarch Bay did an incredible job with the complete renovation of our master suite bathroom. We told Stephen Wilson, the Lead Sales Manager, what we wanted and his team delivered that design. Our bathroom is stunning. My husband and I feel as if we are in a world class bathroom suite. We are extremely pleased with the outcome and highly recommend Monarch Bay Renovations for your renovation needs!”

— M Wilson

Leave a Review on Google →

Begin

Tell us about the project. We'll bring the financing options.

Free walkthrough across the Baltimore metro. We'll review the scope, give you a real number, and walk through which lender path fits your project.

Or call (443) 602-9300.

Book a Walkthrough to Discuss Financing

Loan Interest (check all that apply)

Response within 1 business day.

Talk first

Want to talk financing before the walkthrough?

Five minutes on the phone usually tells us which lender path makes sense for your project. No application yet — just a conversation.