Don’t let anticipated repairs keep you from buying your dream home – get the funds you need to purchase or refinance and make updates, all with one loan from Tompkins.

If you’re looking to purchase a home that needs repairs to an essential item such as the roof, well, septic, kitchen or bathroom, Tompkins’ Renovation Loan allows you to include the estimated costs of these repairs in your primary mortgage.

Eligible Improvements can include the following:

  • Roofs
  • Kitchens, including appliances
  • Bathrooms
  • Well
  • Septic
  • Siding
  • Decks
  • Fences
  • Energy Efficient Items (insulation, windows, doors)
  • Mechanicals and utilities
  • Driveways, walk ways, hardscaping
  • Inground pool installation or removal
  • Interior or exterior painting
  • Tree removal

Subject to credit approval, income, and other qualifying guidelines. Maximum term: 30 years. Terms on the no closing cost program subject to change without notice. Deposit and loan products are offered through Tompkins Community Bank, Member FDIC. Investments and insurance products are not FDIC insured, are not bank guaranteed, and may lose value. Tompkins Insurance is licensed to conduct insurance business in all 50 states.