Accessibility & Disaster Resiliency | Home Possible® Freddie Mac CHOICERenovation®

Finance accessibility and disaster-resiliency upgrades with Home Possible® Freddie Mac CHOICERenovation® — ramps, structural repairs, energy improvements, and up to 6 months PITI.

Accessibility & Disaster Resiliency | Home Possible® Freddie Mac CHOICERenovation®

Finance accessibility and disaster-resiliency upgrades with Home Possible® Freddie Mac CHOICERenovation® — ramps, structural repairs, energy improvements, and up to 6 months PITI.

Can I Finance Accessibility or Disaster-Resiliency Improvements With a Home Possible® Freddie Mac CHOICERenovation® Loan?

Age in Place or Rebuild — One Affordable Mortgage

At a Glance

Scopes That Typically Qualify

What Underwriters Need

What Stays Outside Escrow

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Frequently Asked Questions

Planning Accessibility or Disaster Recovery Work?

Yes. Home Possible® Freddie Mac CHOICERenovation® explicitly allows accessibility improvements and energy-efficiency / resilience upgrades in the renovation escrow — so ramps, wider doorways, structural recovery, roofing, mold remediation, and related work can finance alongside kitchens and baths on your primary home with as little as 3% down.

Paying cash for ramps, doorway widening, storm recovery, or energy upgrades drains reserves. Home Possible Freddie Mac CHOICERenovation® rolls those permanent improvements into the same conventional mortgage that funds your purchase or no-cash-out refinance — with Home Possible’s 3% down and AMI-based benefits on a primary residence only.

Work must appear in licensed contractor bids and support after-improved value. One general contractor coordinates accessibility, resilience, and remodel trades. Contingency (10% min / 15% if utilities off) and five draws plus final 1004D still apply.

Ryan and Steve help you package accessibility or disaster scopes with kitchens, baths, or structural work so LPA Accept, the 75% repair cap, and Home Possible income limits stay clean.

Related guides for improvements, draws, contractors, and the full program hub.

Ryan & Steve will review your bids, AMI eligibility, and after-improved value so Home Possible Freddie Mac CHOICERenovation® finances the right permanent improvements.

Home Possible and Freddie Mac CHOICERenovation® are registered trademarks of Freddie Mac. All loans are subject to credit and property approval. Program guidelines, income limits, LTV limits, and pricing are subject to change without notice and may not be available in all areas. This website is not affiliated with or endorsed by Freddie Mac, Fannie Mae, HUD, or any government agency. Information is for educational purposes only and is not a commitment to lend.

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