Need $250k in repairs, best loan option after closing 9 months?

[Jeff K.]

Wife and I purchased a 1800’s farmhouse in Dec of 2020. We put 25% down, locked in a 30yr conventional, fixed at 2.25%.

We don’t want to refinance, or pull equity out due to the low 30 year fixed rate.

I’ve called 6 banks so far, not one has a solution without refinancing and resetting the rate.

Any creative loan options you may be aware of? Renofi.com looks interesting.