Tackling your full renovation wish list just got easier with our Renovation Home Equity Loan. With our Renovation loan you can borrow against your home’s after-renovation value, so you can get more done. And we’ve partnered with RenoFi, a financial technology company, to provide concierge support throughout the renovation planning process, including helping you nail down your budget and vet contractors.

  • Loan amounts from $20,000 to $250,000
  • Low rates
  • Choose from lines and loans with multiple term options
  • Borrow up to 90% of the after-renovation value

Want to learn more about our renovation financing?

Simply provide your information and we’ll have a concierge team member from our partner RenoFi contact you.


An Ardent Renovation Home Equity Loan can significantly increase your borrowing power. Unlike a traditional home equity loan that calculates your available equity based on your current home value, our Renovation Home Equity Loan allows you to borrow against your home’s after-renovation value.

There are two main differences. First, an Ardent Renovation Home Equity Loan does not require you to refinance your first mortgage. Second, there is no excessive paperwork, cumbersome inspections and complicated draw processes. With the Ardent Renovation Loan, the homeowner receives the money and pays for the work as it is completed.

RenoFi is a financial technology company working in partnership with Ardent to bring these new and innovative renovation loans to our members. Homeowners taking out an Ardent Renovation Loan will work with RenoFi to review their plans or blueprints, check their homeowners insurance, assess their contractor and evaluate their legal contracts - all with the aim of ensuring our members are put in the best position to successfully complete their renovation.

Once renovation plans are finalized, the lending process can begin. This first step is to apply online. After we receive the application, we’ll connect the homeowner with RenoFi so they can collect the necessary renovation related documents. From application to closing takes about 30 days.

The maximum loan amount is $250,000. However, not everyone will qualify for that amount.  Your home’s after-renovation loan-to-value ratio will determine your borrowing power.