Renovation Financing Made Simple
Remodeling your home takes more than vision — it takes planning, the right materials, proper permits, and an experienced team to manage every detail. At JBL Construct LLC, we handle all of that.
But we know the other side of any project is just as important: the money. Whether you’re considering a home equity loan, a HELOC, a cash-out refinance, or another renovation loan product, navigating your financing options can feel just as complex as the construction itself. That’s why we’ve partnered with Potomac Bank Residential Lending to connect our clients with a seasoned banking and financing veteran who will walk you through your options, help you compare products, and guide you toward the solution that fits your project and your budget.
Great renovations start with the right plan — financial and otherwise. We’re here to help with both.
Meet Jay Richardson
Regional Vice President, Potomac Bank · NMLS #455523Building, renovating, or buying a home that needs work can feel overwhelming. Jay’s role is to make the financing side feel clear, calm, and well-planned.
With 23 years of experience helping buyers, homeowners, builders, and real estate professionals find smart mortgage solutions, his approach is simple: guidance first, pressure never.
Jay works best with clients who want answers, options, and a steady hand through the process. Whether someone is buying a move-in ready home, building from the ground up, or purchasing a property that needs improvements, he helps them understand the loan strategy before they make big decisions.
Construction & Renovation Financing
Potomac Bank offers construction and renovation loan options that may allow qualified buyers to finance a home purchase or build project with as little as 10% down. These programs can help buyers:
What You Can Finance
- Build a new home from the ground up
- Purchase and renovate an existing home
- Finance improvements into the mortgage
- Expand your home search beyond move-in ready properties
- Work with a builder or contractor to create the right finished product
For many buyers, renovation and construction financing can open the door to homes they may have otherwise overlooked.
Why Work With Jay Richardson
Clear upfront planning — no surprises, no hidden steps
Honest loan comparisons — side-by-side, across products
Guidance through complex scenarios — construction draws, timelines, approvals
Steady communication — from application to closing
🤝 A lending partner who works closely with the builder, buyer, and real estate team — so everyone stays aligned from day one
The goal is to help buyers feel informed, prepared, and confident before they move forward.
Let’s Talk Through Your Options
If you are considering building, renovating, or purchasing a home that needs work, Jay would be happy to walk you through the financing options and help determine what may fit your situation.
Explore Your Options →
Member FDIC
Equal Housing Lender
Loan products and eligibility are subject to credit approval and program availability. As little as 10% down is available to qualified buyers on select construction and renovation loan programs. JBL Construct LLC is a licensed general contractor (Virginia DPOR #2705196687) and is not a lender. Potomac Bank and Jay Richardson provide all lending services independently.