Finance upgrades to your new build with your mortgage

Guaranteed Rate Affinity’s Dream Bigger program lets you hire a third-party contractor and include the cost of the project in your mortgage.

  • Perfect for custom pools, landscaping, fences, decks and more.
  • Finance in one loan without digging into your savings or taking out a HELOC.
  • Upgrade your home faster without delaying your close date.
  • Use a third-party contractor if the builder doesn’t offer your desired upgrade—putting you in control of the project budget!


  • Fannie Mae and Freddie Mac conforming conventional products only
  • Fixed products only
  • High balance loan limits apply to total loan amount
  • Total cost of improvements must be $3,000 or higher

*New build/new construction only. Third-party contractor is paid 50% of material costs at close and three disbursements after closing. Everything held in escrow for third-party contractor. Project must be completed within 90 days of close, subject to exception depending on scope of project.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information.

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