The house already chose you.
We handle the rest.
Deed brokers financing for homes that make conventional lenders flinch — century Victorians, Craftsmans with knob-and-tube, Federal townhouses, and everything in between.
Banks see a house with deferred maintenance, original knob-and-tube wiring, and a slate roof that costs $40,000 to replace. Their underwriters see liability. Their appraisers see comps that don't exist.
We see a 1923 Sears kit home that has outlived every house on the block. Renovation-to-permanent financing wraps your purchase and rehab budget into a single closing — so you own the house and fund the restoration without refinancing.
One loan. One closing. The Victorian gets its electrical updated; you keep the tin ceilings.
Available Products
Conventional lenders flag fieldstone foundations as "structural concern" and decline before the appraiser parks. Knob-and-tube wiring, galvanized plumbing, and original single-pane windows each become their own rejection letter.
Our non-warrantable condition overlays are purpose-built for Craftsman bungalows. We work with portfolio lenders who understand that a fieldstone foundation poured in 1912 has already proven itself — it doesn't need to be replaced, it needs to be understood.
We've closed Craftsman loans with original plumbing, intact knob-and-tube in outbuildings, and basement walls that a conventional appraiser would photograph and run from.
Available Products
Pre-Civil War homes on the National Register carry federal review requirements that most lenders have never heard of. Section 106 compliance, historic easements, and preservation covenants can halt a closing for months — or kill it entirely.
We've navigated Section 106 reviews on Federal-era townhouses from Boston to Charleston. Our team includes a preservation specialist who coordinates with State Historic Preservation Offices before the loan package is even assembled, so your closing isn't held hostage to a review timeline.
If your home is on the National Register or in a historic district, we start the compliance process at application — not at closing.
Available Products
We name the problem before you do.
Conventional lenders have checklists. We have fluency. Every product below was built for a specific problem that historic homes carry — and that most lenders have no answer for.
Renovation-to-Permanent
Wrap purchase price and rehab budget into one loan. One closing, one rate lock — no refinancing when the work is done.
FHA 203(k) · HomeStyle · Jumbo RenovationNon-Warrantable Condition
Portfolio overlays for homes that fail conventional condition requirements — knob-and-tube, galvanized plumbing, original single-pane.
Portfolio Lenders · Bank Statement ProgramsSection 106 Compliance
In-house preservation specialist coordinates federal review before your loan package is assembled. Historic districts, National Register properties.
SHPO Coordination · Preservation EasementsHistoric Tax Credit Bridge
Short-term bridge financing against anticipated federal and state historic tax credits for investor rehabilitations.
Federal HTC · State HTC · DSCRFrom the Deed Files
Every conventional lender told us the fieldstone foundation was a dealbreaker. Deed named the exact overlay program before we even asked — and we closed in 38 days.
We were converting a decommissioned 1912 schoolhouse into four loft units. No bank would touch it. Deed structured a DSCR bridge loan and had us at the closing table in six weeks.
The Section 106 review on our Federal townhouse had stalled two previous buyers. Deed's preservation specialist had already coordinated with the SHPO before we signed the purchase agreement.
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Take the guide.
The Historic Home Buyer's Guide covers every lender objection by property type — what triggers a decline, which loan programs apply, and what to ask your broker before you make an offer.
The Historic Home
Buyer's Guide
Financing strategies for homes conventional lenders refuse — from fieldstone foundations to Federal townhouses.