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Renovating with an EZ "C"onventional Repair Escrow

The EZ “C”onventional Repair Escrow is a convenient solution for homeowners looking to make smaller upgrades without taking on extra loans. With this program, you can:

  • Finance home repairs or improvements up to $35,000

  • Include the costs in your mortgage for just one monthly payment

  • Refresh your home immediately without worrying about out-of-pocket expenses

It’s perfect for cosmetic updates like new flooring, a kitchen refresh, or minor repairs—helping you move in and enjoy your home right away.

What is the EZ “C” loan?

The EZ “C” (Conventional Repair Escrow) is a smart renovation loan that lets you finance approved home repairs directly through your mortgage. No second loan, no high-interest credit cards—just one streamlined process.

With the EZ “C,” you get:

  • One loan, one closing, one monthly payment

  • Funds for home improvements like new flooring, a refreshed kitchen, or minor repairs

  • A more comfortable, updated home without added financial stress

What types of repairs qualify?

The EZ “C” loan is designed for cosmetic or minor home upgrades, not major renovations. Typical projects include:

  • New flooring

  • Kitchen or bathroom updates

  • Fresh paint

  • Window replacements

  • Appliance upgrades

  • Light fixture changes

  • Minor plumbing or electrical work

Important: Repairs must be non-structural and completed shortly after closing. This ensures your home looks and feels updated without complicating your mortgage.

Why choose EZ “C” over other renovation loans?

The EZ “C”onventional Repair Escrow is built to make home improvements fast, simple, and stress-free. It’s ideal for non-structural upgrades that let you personalize your home without complicated financing.

Key Advantages:

  • Simple Process — No second loan, no separate closing

  • Affordable — Finance up to $35,000 in improvements

  • Flexible — Customize your new home to fit your style

  • Convenient — One monthly payment to manage

Compared to major renovation loans, the EZ “C” is streamlined and hassle-free, perfect for buyers who want to modernize or refresh their home quickly.

How an EZ “C”onventional Escrow works

ChatGPT:

Getting started with the EZ “C”onventional Repair Escrow is easy and designed to make home improvements seamless. Here’s the process:

  1. Get qualified* with a PrimeLending loan officer

  2. Identify repairs with your contractor and appraiser

  3. Finalize your loan with repair costs included

  4. Close on your home

  5. Repairs begin, typically right after closing

How it works:

  • Funds for repairs are held in an escrow account and released once the work is complete and approved

  • Repair costs are built directly into your mortgage — one loan, one monthly payment

  • No extra loans, no delays — just a smooth path to making your home truly yours

With the EZ “C” loan, you can start upgrades immediately, whether it’s new flooring, a refreshed kitchen, or other cosmetic improvements.

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Apply Now to get started and transform your home from day one!

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