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Home Improvement Financing

Make your home the best it can be with the right financing. There's always room for improvement, whether that be updating your kitchen to a more modern look, replacing an old roof, or adding a deck for summertime enjoyment. We have home improvement solutions to fit any situation.

Common Uses:

  • Replacing a garage door
  • Doing a minor or major kitchen remodel
  • Adding a wooden deck
  • Replacing an entryway door
  • Replacing an asphalt shingle roof
  • Building a new master suite addition
  • Adding a manufactured stone veneer around house
man installing new deck

Secured Financing Options

A secured loan is backed by an asset to help guarantee the loan; this is referred to as collateral. For home improvements, the collateral used is typically your home. The amount you may be eligible to borrow is determined by the amount of equity you have in your home, which is the value of your home that exceeds the amount owed on your mortgage.

Home Equity Loan

Put unused equity to work for you. Learn more.

Home Equity Line of Credit

Access to a line of credit for ongoing use. Learn more.

Cash-Out Refinance

Refinance your mortgage and get cash for improvements. Learn more.

Unsecured Financing Options

If you do not have equity in your home, an unsecured loan would be the option for you. An unsecured loan means you don’t need to provide collateral for the loan.

Rapid Home Improvement Loan

Upgrade your home without collateral requirements. Learn more.

Believable Banking Home Improvement Loan

Affordable Home Improvement Loan Program available in select census tracts. Learn more.

Ready To Take the First Step?

1. Explore Your Options & Rates Fill out the form and a specialist will be in touch and help you identify financing options and rate ranges. We'll show you the options you qualify for, and you’ll get to choose the financing amount and duration of the loan.
2. We'll Review Your Information

Once you know what you want to apply for, we'll collect some additional information from you.

3. Receive Your Money

Once final terms are accepted, we'll begin the process to fund your loan and transfer funds to you.

Frequently Asked Questions

How do home improvement loans work?

When you are considering making renovations to your home but don't have the cash upfront to pay for the projects, various options can make it possible for you. A home improvement loan allows homeowners to borrow money for their renovation plans when they don't have the savings to pay out of pocket. Home improvement needs sometimes sneak up on homeowners. Renovations can be very expensive, rack up tens of thousands of dollars, and many homeowners just don't have the funds saved for home repairs.

Should I get a home improvement loan?

There are several things to consider before you decide to take on a home improvement project, the most important being if you can afford it. If the answer is yes, then you should look at the payment methods that work best for your budget and circumstance. Other factors you should consider before renovating are the length of time you intend to stay in your home, whether it increases your home’s value, and how you plan for your project to be completed.

What is a home equity loan?

Equity is the difference between how much money you owe on your home and the amount your home is worth. A Home Equity Loan uses that equity you have built up, from either paying off your mortgage or your home’s value increasing, to secure the loan. You will receive your funds from this loan in one lump sum.  Learn more about Home Equity Loans.

What is a home equity line of credit (HELOC)?

A HELOC uses your home's equity just like a Home Equity Loan, but the way you receive funds is where these two products differ. Rather than receiving your loan payout in one lump sum, a HELOC gives you access to a line of credit for ongoing use. This is similar to a credit card. You won’t have to apply for another loan each time you need money—just access your HELOC.  Learn more about a Home Equity Line of Credit (HELOC).

What is a cash-out refinance?

A cash-out refinance replaces your mortgage with a new one for a larger amount, and pays you cash for the difference. With your new mortgage, you could potentially shorten your loan term, lower your interest rate, and utilize your home equity for renovation projects. Plus, you only have one loan payment. Learn more about refinancing.

What is the Rapid Home Improvement Loan?

This loan will get you your funds in no time! Quickly finance your renovations and repairs with low fixed rates and loan amounts from $5,000 - $25,000 without using your personal property for collateral. Our Rapid Home Improvement Loan is often easier to get than a home equity loan or a regular personal loan, and we offer loan terms up to 15 years¹. Learn more about the  Rapid Home Improvement Loan.

What is a Believable Banking Home Improvement Loan?

This affordable, unsecured loan program is available to qualifying neighborhoods as determined by the Census Bureau. The BBHIL provides flexible and affordable financing to assist with maintaining your home and can be used for a wide array of home repairs or renovations. Learn more about the Believable Banking Home Improvement Loan.

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

¹Loan fee of $150. Payment examples: Tier 1 loan category ranges up to $10,000 and 120 months: Monthly payments for a $10,000 loan at 7.49% APR with a term of ten years would result in 120 monthly payments of $120.42. Tier 2 loan category ranges from $10,000.01 to $25,000 and up to 180 months: Monthly payments for a $25,000 loan at 8.49% APR with a term of fifteen years would result in 180 monthly payments of $247.48. These examples are estimates only and assumes all payments are made on time. Please contact bank for details.

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