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Hi, Chris. There are home improvement and renovation loans that operate similar to home construction loans (draw schedules, inspections, etc.). But, like construction loans for new homes, these home improvement loans are targeted to owner-occupied borrowers.

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“Not guilty,” he said when asked how he pleaded to the charges in a 16-count indictment that he falsified business records and engaged in a conspiracy to fraudulently obtain millions of dollars in.

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From January 2011 through November 2017, Garvin and others engineered fraudulent short sale “flips” of various New Jersey properties and also fraudulently obtained numerous home equity lines of credit.

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