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Titan Home Lending

Why Titan?

Titan Home Lending has been providing loan solutions for over 32 years. With multiple options, Titan has a soluton for you.

Renovation Loan Service Options

Select a Loan Option Below

  • Purchase or Refinance
  • Primary Residence
  • 1-4 Unit Properties
  • Single Family detached, townhomes, manufactured homes eligible
  • Condos eligible if condo FHA approved CLICK HERE
  • Loan amount for your county CLICK HERE
  • 3.5% down based on lower of Sales Price or Appraisal
  • Co-Signers allowed
  • Seller can Pay up to 6% of sales price to buyer’s closing costs
  • Gift Funds Allowed
  • Full Documentation Required GIFT DOCUMENTATION REQUIREMENTS CLICK HERE
  • Assumable Loan
→ Learn More
  • Purchase or Refinance
  • Property CLOSES AS-IS and all work completed after closing
  • Primary Residence
  • 1-4 Unit Properties
  • Can be used to convert to 1,2,4 or 4 unit property
  • Single family detached, townhomes, manufactured homes eligible
  • Mixed use properties
  • Condos ARE NOT ELIGIBLE
  • Loan amount for your county CLICK HERE
  • 3.5% down based on SALES PRICE + IMPROVEMENTS
  • Co-Signers Allowed
  • Gift Funds Allowed   GIFT DOCUMENTATION REQUIREMENTS CLICK HERE
  • Assumable Loan
  • Illegal additions can be corrected
  • Code liens and open permits OK
  • Move a home
  • Structural repairs allowed
  • Major Renovations Allowed
  • Well and Septic Repairs Allowed
  • LIST OF ELIGIBLE REPAIRS CLICK HERE
  • NO LIMIT TO REPAIRS
  • Work must be completed in 6 months from closing
  • All work must be done by ONE LICENSED GENERAL CONTRACTOR
  • Progress Payments to Contractor (Based on work completed) no advances to GC
  • FHA 203k INSPECTOR (HUD APPROVAL REQUIRED) CLICK HERE
  • Pool Repairs Allowed up to $1500 (Buyer can fund additional if required)
  • Fencing, termite treatment and repairs allowed
  • Landscaping and irrigation allowed
  • Driveways allowed
  • Decks allowed
  • Room Additions, bedrooms and bathrooms can be added
  • Finance 1-6 payments into loan if needed
→ Learn More
  • Purchase or Refinance
  • Property CLOSES AS-IS and all work completed after closing
  • Primary Residence
  • 1 and 2 unit properties
  • Single family detached, townhomes eligible
  • Condos ARE NOT ELIGIBLE
  • Loan amount for your county CLICK HERE
  • 3.5% down based on SALES PRICE + IMPROVEMENTS
  • Gift Funds Allowed   GIFT DOCUMENTATION REQUIREMENTS CLICK HERE
  • Assumable Loan
  • Very limited and specific repairs allowed
  • Structural repairs NOT allowed
  • Major Renovations NOT Allowed
  • Well and Septic Repairs NOT Allowed
  • Maximum $35,000 in REPAIR ESCROW (Total repairs limited to $28k-$30k +contingency reserve)
  • All work must be done by ONE LICENSED GENERAL CONTRACTOR
  • 50% advance to contractor 50% at completion
  • FHA 203k INSPECTOR NOT REQUIRED BUT HIGHLY SUGGESTED (HUD APPROVAL REQUIRED) CLICK HERE
  • NO POOL REPAIRS ALLOWED (Pool and equipment must be working properly)
  • NO Fencing, termite treatment and repairs allowed
  • NO Landscaping and irrigation allowed
  • NO Driveways improvements allowed
  • NO Deck improvements allowed
  • No Wood Repairs or Wall Repairs/Movement allowed
  • NO Room Additions, bath additions or structural changes ALLOWED
  • All work must be completed in 30 days
→ Learn More
  • Purchase or Refinance
  • Property CLOSES AS-IS and all work completed after closing
  • Primary residence with 5% down
  • Second Home with 10 % down
  • Investment property with 25% down
  • 1 and 2 unit properties only (2 units require 20-25% down)
  • Single Family Detached, Townhomes eligible
  • Condos must meet Fannie Mae Guidelines
  • All repairs allowed
  • Loan amounts to $417,000
  • Code liens and open permits OK
  • Move a home
  • Structural repairs allowed
  • Major Renovations Allowed
  • Well and Septic Repairs Allowed
  • LIST OF ELIGIBLE REPAIRS CLICK HERE
  • NO LIMIT TO REPAIRS
  • Work must be completed in 6 months from closing
  • All work must be done by ONE LICENSED GENERAL CONTRACTOR
  • Progress Payments to Contractor (Based on work completed) no advances to GC
  • FHA 203k INSPECTOR (HUD APPROVAL REQUIRED) CLICK HERE
  • Pool Repairs Allowed and POOL CAN BE ADDED!
  • Fencing, termite treatment and repairs allowed
  • Landscaping and irrigation allowed
  • Driveways allowed
→ Learn More
  • No Down Payment Required
  • Lower Interest Rates
  • No Private Mortgage Insurance (PMI)
  • Flexible Use of Funds
  • Single Loan Convenience
  • Government Guarantee
  • Increase in Home Value
  • Personalization
  • Eligibility for Purchase and Refinance
  • Potential for Higher Loan Limits
  • Support for Aging in Place
  • Energy Efficiency Improvements
→ Learn More

Why Use Titan Home Lending?

Here's what our clients are saying:

My customer went with a lender who said he had FHA 203k Experience… He had the loan for 3 months and it GOT DENIED! I asked Andy Wood/Titan Home Lending to step in, HE HAD IT APPROVED IN 7 DAYS and CLOSED IN LESS THAN 35 DAYS!
Micaela Nesselroad
What an incredible experience! I thought the home buying process would be a cumbersome ordeal but everyone I've dealt with at Titan has been superb! Andy's expertise is incredible - he explains everything clearly, is super easy to speak with and always accessible. Christine is the best loan processor ever! She's funny and sweet, quick to reply to my questions and always on top of things. I can't say enough great things about the team at Titan Home Lending. They are professional, efficient, organized and friendly. Thank you everyone at Titan! I appreciate your dedication.
Carla G.
Andy is a miracle worker! We needed a quick close to stay competitive with our offer... using a 203k loan. He assured us it was doable, and he came through! He is so knowledgable about unique loans, accessible to his clients, and great at explaining what needs to be done. I would trust him with any future purchase- highly recommend Andy and Titan Home Lending.
Elizabeth Cobb
I have worked with Andy Wood from Titan Loans as a vendor partner. He is so knowledgeable about the 203K renovation loan process. I would highly recommend Andy to anyone who is looking for an expert in the mortgage field. Simply The Best
Dustie Amatangelo

The Office of Fair Housing and Equal Opportunity is an agency within the United States Department of Housing and Urban Development. FHEO is responsible for administering and enforcing federal fair housing laws and establishing policies that make sure all Americans have equal access to the housing of their choice.

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Licensed Florida Mortgage Brokerage Business NMLS# 973547
PH: 727-410-9663 © 2024 All Rights Reserved • December 20, 2024