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Refresh Homes: Your Go-To Partner for Managing Defaulted Loan Portfolios and Troubled Projects

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When a renovation or redevelopment project starts to falter, the consequences can be far-reaching. From unplanned expenses to legal complications and diminishing ROI, lenders and project owners alike often find themselves at a crossroads. Whether you’re managing a portfolio of defaulted loans or dealing with a single project going sideways, making the right decisions moving forward is critical. That’s where Refresh Homes comes in.


Led by Ron Howard, a licensed top-producing realtor and MHIC contractor with over 20 years of experience, Refresh Homes specializes in getting stalled projects back on track. With a proven track record of successfully guiding over 1,000 renovation sales and working closely with regional banks, private lenders, and renovators, Ron and his team are uniquely equipped to help you navigate the challenges of troubled real estate investments.


Why Troubled Projects Require Expert Guidance


When renovation projects run into trouble, it’s often due to poor planning, insufficient oversight, or unexpected complications. The situation can become even more complex when permits, inspections, or Use and Occupancy certificates are missing. For lenders managing defaulted loan portfolios, these challenges are magnified, as each misstep can result in lost time and money.


Without the right expertise, it’s difficult to determine whether to:

  • Foreclose on the property

  • Provide additional funding to complete renovations

  • Sell the property as-is

  • Invest in strategic improvements to maximize resale value

Making these decisions requires a deep understanding of real estate markets, construction processes, and the nuances of valuation—all areas where Refresh Homes excels.


Comprehensive Solutions from Refresh Homes

Refresh Homes provides a full suite of services tailored to the needs of lenders and project owners. From assessing the current state of a project to managing it through to completion and sale, our approach ensures the best possible outcomes for all stakeholders. Here’s how we do it:


1. Needs Analysis

Every successful project starts with a clear understanding of the situation. Our Needs Analysis process includes:

  • Conducting on-site visits

  • Researching permitting and inspection requirements

  • Evaluating the current state of the property

  • Identifying potential obstacles and opportunities

This analysis is designed to determine the least amount of work required to achieve the highest possible sales price, providing a roadmap for moving forward.


2. Accurate Valuation Scenarios

Valuation is critical in deciding the next steps for a troubled project. With over 1,000 successful renovation sales and a deep knowledge of local markets, Ron Howard provides precise valuation scenarios based on:

  • Location and market trends

  • Comparable properties (comps) with accurate adjustments

  • Potential ROI for various strategies (e.g., as-is sale vs. completed renovations)

Our data-driven approach ensures you can make informed decisions with confidence.


3. Scope of Work (SOW) Development

A well-defined Scope of Work is essential for any renovation project. We create detailed SOW documents that include:

  • Specific tasks and deliverables

  • Timelines and milestones

  • Acceptance criteria

  • Clear definitions of what is included and excluded from the project

This clarity ensures all stakeholders are aligned and helps prevent costly misunderstandings.


4. Bidding Management

Finding the right contractor is often a significant challenge. Refresh Homes streamlines the process by:

  • Creating and distributing Requests for Proposals (RFPs) based on the SOW

  • Evaluating contractor bids for price, quality, and capabilities

  • Recommending the best vendor to execute the project

This competitive bidding process ensures you receive high-quality work at a fair price.


5. Project Management Until Closing Day

Managing a renovation project to completion requires constant oversight and attention to detail. Our project management services include:

  • Ensuring contractors stay on schedule and within budget

  • Addressing issues that arise during inspections

  • Preparing the property for market

  • Overseeing the project until the day of closing

Our hands-on approach minimizes risks and keeps your project moving forward efficiently.


6. Sales and Marketing Services

Once the project is complete, maximizing its exposure and appeal is essential to achieving the best possible sales price. As a top-producing licensed realtor in the Baltimore Metro area, Ron Howard offers expert sales and marketing services, including:

  • Professional photography and staging

  • Strategic pricing and marketing campaigns

  • Leveraging an extensive network of buyers and agents

These efforts ensure your property stands out in a competitive market.


Unique Expertise That Sets Refresh Homes Apart


What makes Refresh Homes the go-to choice for managing defaulted loans and troubled projects? Our unique combination of experience and expertise:

  • Licensed MHIC Contractor: Ron’s hands-on knowledge of construction processes allows us to identify and address issues other consultants might miss.

  • Real Estate Expertise: As a top-producing realtor, Ron understands market dynamics and how to position properties for maximum ROI.

  • Proven Track Record: With over 1,000 renovation sales successfully completed, we have the experience to guide projects of any scale or complexity.

  • Trusted by Lenders: We’ve worked closely with regional banks, private money lenders, and renovators of all sizes, earning a reputation for delivering results.

  • Data-Driven Decisions: Our analytical approach ensures every decision is backed by accurate data and market insights.


Who Can Benefit from Refresh Homes


Lenders Managing Defaulted Loans

If you’re overseeing a portfolio of defaulted loans, we help you determine the best course of action for each property. Whether it’s foreclosure, additional funding, or an as-is sale, we provide the expertise to maximize returns and minimize losses.

Rehabbers Facing Challenges

Are you struggling with permits, inspections, or unforeseen complications? We offer the guidance you need to overcome obstacles and get your project back on track.

Investors and Property Owners

From assessing project viability to managing renovations and marketing the final product, we provide end-to-end solutions that optimize your investment.


Why Refresh Homes Is Your Best Choice


Managing troubled projects and defaulted loans requires a partner with deep industry knowledge, hands-on experience, and a commitment to delivering results. Refresh Homes brings all this and more to the table. With our unique expertise, proven strategies, and dedication to client success, we’re your trusted ally in navigating even the most challenging situations.

Ready to turn your troubled project into a success story? Contact Refresh Homes today and let us guide you toward the best possible outcome.

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