Transform Your Home with Our Flexible Home Improvement Loans

To qualify for a home improvement loan, you typically need a good credit score (usually 620 or higher), a stable income, and a reasonable debt-to-income ratio. You’ll need to provide documentation including proof of income, bank statements, and information about your existing mortgage if applicable.

The approval process typically takes 1-3 business days for most applicants. Once approved, funds can be disbursed within 24-48 hours. The exact timeline may vary based on the completeness of your application and verification of documents.

You can finance a wide range of home improvements, including kitchen and bathroom remodels, roof repairs, HVAC systems, window replacements, room additions, deck construction, and energy-efficient upgrades. Both essential repairs and cosmetic improvements are eligible.

While application fees vary by lender, you may encounter origination fees (typically 1-5% of the loan amount), appraisal fees, and closing costs. Some lenders offer no-fee applications, but it’s important to review all terms and conditions carefully. We always disclose all fees upfront before you commit.

Here a link to check your application status.

Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.

No. We can do loans for smaller or larger amounts. Our experienced lending officers will discuss your options with you at the time you apply.