Purchase + renovation in one loan. Covers home improvements, accessibility, plumbing, HVAC, roofing.
WCDA's Spruce Up program is unique nationally: it combines home purchase and renovation financing in a single loan. Buy a fixer-upper and finance the repairs alongside your mortgage, covering everything from plumbing and HVAC to roofing and accessibility modifications.
Wyoming's older housing stock, particularly in smaller communities, often needs updating. Spruce Up turns this from a barrier into an opportunity — buy at a lower price, renovate to your standards, and borrow above the current value to fund improvements. It's a built-in value-add strategy.
Buy a fixer-upper and renovate with a single mortgage. Can borrow above current value.
We'll show you how to combine WCDA Spruce Up (Wyoming) with other programs to maximize your free money — personalized to your ZIP code and income.