About Cottage (acquired by RenoFi)
We offer renovation financing solutions through our network of third-party lenders, mostly credit unions. These include Home Equity Lines of Credit (HELOCs), Home Equity Loans (HELOANs), and Renovation Personal Loans.
Our main product, the RenoFi Loan, lets homeowners borrow against their home’s estimated value after renovations are complete, based on an “as completed” appraisal. This can increase their borrowing power, allowing them to borrow up to $750,000 or 90% of the after-renovation value without refinancing their mortgage. Standard HELOCs and HELOANs from our partners range from $10,000 to $750,000, allowing borrowing up to 90% of the current home value. Renovation Personal Loans go up to $75,000 with terms up to 20 years.
Loan eligibility and amounts depend on factors like current home value, estimated after-renovation value, outstanding mortgage, and the homeowner’s financial health. RenoFi Loans are available even for recent home buyers, as most of our lenders have no “seasoning” requirements. We integrate our renovation underwriting technology into lenders’ processes and guide customers through the loan application and financing.
We acquired Cottage, which was previously a platform connecting homeowners and renovation professionals. Cottage helped manage payments, track projects, and store documents, specializing in Accessory Dwelling Units (ADUs) and home design.
Mission & Values
When we acquired Cottage, our goal was to improve how homeowners and renovation professionals work together.
Team & Culture
Our team has between 11 and 50 individuals.
Frequently Asked Questions
RenoFi offers various renovation financing solutions, including RenoFi Loans which allow borrowing against a home’s after-renovation value, traditional Home Equity Lines of Credit (HELOCs) and Home Equity Loans (HELOANs), and Renovation Personal Loans. The company partners with lenders to facilitate these products and provides guidance to homeowners throughout the financing process.
Traditional cash-out refinance loans, home equity loans, or HELOCs allow borrowing against the current value of a home. In contrast, RenoFi Loans allow homeowners to borrow against the estimated after-renovation value (future value) of their home, which can increase their borrowing power.
No, not necessarily. RenoFi offers several versions of its loans, including home equity options that do not require homeowners to refinance their existing mortgage.
Cottage operated as a SaaS-enabled marketplace designed to improve collaboration between homeowners and renovation professionals such as designers, contractors, and engineers. Its platform facilitated project tracking, centralized payments, and document storage for renovation projects, including Accessory Dwelling Units (ADUs). Cottage is now integrated into RenoFi.
Cottage (acquired by RenoFi) is active in the Accessory Dwelling Units, Homeowner Design, and Adu Design markets.
Cottage (acquired by RenoFi) has 11-50 employees.
Cottage (acquired by RenoFi) hires globally with a remote-first approach, allowing employees to work from anywhere.
Cottage (acquired by RenoFi) is not actively hiring at the moment. Check back later for new opportunities.
Yes, Cottage (acquired by RenoFi) is a remote-first company.
Cottage (acquired by RenoFi)'s website is www.cotta.ge .
You can find Cottage (acquired by RenoFi) on X (Twitter) , Facebook , and LinkedIn .
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