Financing
Mortgage & Construction Financing
The build is only half the plan — the money is the other half. BARC's lending desk finances purchases, renovations, ADUs, and investor deals.
Most renovation projects don't die on design — they die on financing. Banks that don't understand construction draw schedules, appraisals that ignore after-renovation value, loan officers who have never read a contractor's bid. BARC closes that gap by putting lending, contracting, and brokerage at the same table.
Because we build what we finance, our loan structuring starts from a real construction budget and a real timeline. That means draw schedules that match the build, after-repair-value analysis backed by our own realtor comps, and no mid-project funding surprises.
Why clients choose BARC
Purchase & Refinance
Conventional, jumbo, and FHA loans for Bay Area price points, with renovation needs factored from day one.
Renovation Loans
Single-close products that fund the home and the remodel based on after-renovation value.
ADU Financing
HELOCs, cash-out refis, and renovation loans structured around ADU construction draws and projected rent.
Hard Money / Bridge
Asset-based loans closing in days for flips, auctions, and time-critical acquisitions.
Investor Lending
DSCR and portfolio products that qualify on property cash flow, not W-2 income.
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Frequently Asked Questions
Can I finance a remodel or ADU into my mortgage?+
Yes. Renovation loans (Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, FHA 203k) fund purchase-plus-construction or refinance-plus-construction in a single loan, qualifying on the after-renovation value. For owners with low existing rates, a HELOC or fixed second often beats refinancing — we model both.
What do hard money loans cost in 2026?+
Typical Bay Area terms: 9–12% interest-only, 1–3 points, 6–24 month terms, up to roughly 70–75% of after-repair value. They cost more than bank debt but close in 5–10 days and fund properties banks won't touch — the standard tool for flips and auction purchases.
Is BARC the lender or a broker?+
We operate as a financing partner/broker — sourcing the right product across multiple lenders and private capital, then managing the process alongside the construction schedule. NMLS licensing details are listed in our footer.
Does using BARC for construction help my loan?+
Materially. Renovation and construction loans require contractor bids, scope documentation, and draw inspections. When the same team produces the bid and runs the build, lender review goes faster and draws release on schedule.
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