River City Mortgage
designed the REFI IT UGLY loan program
to maximize your borrowing power
using after-renovation value.

One Loan, One Payment.

Finance the home and renovations together. Roll the refinance price and renovation costs into a single loan. No juggling multiple loans or managing separate payments — just one streamlined mortgage.

Skip draining your savings. Renovations are funded within the mortgage, avoiding the need to pay large expenses out of pocket. Keep your savings intact while still customizing your home.

No Overwhelming Upfront Costs.

From Drab…

Transform any space with the budget built in.

Whether a bathroom refresh or a full-scale remodel, your renovation costs are part of the loan. Outdated spaces become modern showpieces without financial stress. It’s one loan, one payment, and a smoother path to your dream home. From kitchens and baths to outdoor upgrades, every improvement is covered—helping you move forward with confidence and enjoy the results sooner.

…to Fab.

Dream-Home Ready

Customize every detail. From kitchens to basements to luxury add-ons, design your home exactly how you want it.

Boost home value. Renovations increase the home’s appraised value immediately. Boost equity by financing based on after-renovation value.

Instant. Equity. Potential.

does it need…A POOL?..

with one seamless loan, we turn “a good house” into
THE PERFECT HOME

With a renovation loan from River City Mortgage, you can roll the cost of home improvements right into your mortgage — one loan, one payment, and endless possibilities.

Upgrade your home your way—whether that’s installing a pool, remodeling a kitchen or bathroom, or finishing a basement—without juggling multiple loans or draining your savings.

By using your after-renovation home value, you can maximize your borrowing power and bring your vision to life — beautifully, affordably, and without overwhelming upfront costs.

why settle for “almost perfect” when you can make it
EXACTLY RIGHT?

why owners LOVE IT

Tailored to Your Taste

Create a home tailored to your taste and needs without stressing your bank account.

Simplified Financing

Avoid juggling multiple loans or high-interest credit cards.

Modern Spaces, Made Simple

Transform dated spaces into modern showpieces — all in one process.

From Needs Work to Wow

Turn “needs work” into “wow” without the big upfront hit to your wallet.

turn that fixer upperinto yourDREAM HOME

(800) 631-6447 Apply Now

( Hidden link anchor with ID of: how-it-works )

( This red box is only visible to admin. )

How it Works

Turning a fixer-upper into your dream home takes planning and financing. We simplify it into four clear steps you can follow with confidence.

1. Reimagine Your Space

Don’t move, improve! If your current home needs a refresh, Refi It Ugly lets you reimagine what’s possible without starting over.

2. Design the Upgrades

Collaborate with your contractor to plan the updates that matter most, modern kitchens, spa-style bathrooms, finished basements, or outdoor spaces that wow.

3. Roll it into One Loan

Bundle your existing mortgage and renovation costs into a single, affordable loan. No new second mortgage, no draining savings—just one streamlined payment that funds your home’s next chapter.

4. Stay Home & Watch It Transform

Skip the stress of moving and enjoy the excitement of watching your home evolve. With financing and contractors already secured, you can relax while your dream space comes to life.

From vision to renovation, every detail is coordinated — so you can upgrade with confidence, not chaos.

dream homes don’t startPERFECTthey end up that way.

River City Mortgage

River City Mortgage
4555 Lake Forest Dr Suite 450
Cincinnati, OH, 45242

River City Mortgage designed the REFI IT UGLY loan program to maximize your borrowing power using after-renovation value.