Financing · Baltimore Area
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
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
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 more02
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 more03
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 moreThe honesty section
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
01
We come to the property. Review scope. Real number within 48 hours.
02
Based on your project size and credit profile, we recommend SFC, HFS, or 203(k).
03
Soft pull first (no credit hit). Hard pull only after pre-qualification.
04
Funds wired to MBR (escrowed for 203k). We start within 30 days of close.
Realistic Examples
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.
“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!”
“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!”
“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!”
Begin
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.
Talk first
Five minutes on the phone usually tells us which lender path makes sense for your project. No application yet — just a conversation.