Home Improvement & Solar
Apply Now!Take advantage of the equity in your home, so you can improve the look and feel of where you live life.
- No Fees
- No Points
- Loan amounts from $10,000 to $100,000
- Borrow up to 90% of the appraised value (up to 100% depending on loan type selected)
- Usually closes in as little as 15 business days
- Interest on the loan may be tax deductible – be sure to consult your tax advisor
- Apply any tax refund associated with our project tax credit to your loan within 18 months to re-amortize your loan and lower your monthly payment
- Loan disbursements made directly to the contractor upon completion of the project
- Annual Percentage Rate (APR) based on applicant’s credit score
For more information as well as current rates and fees, please contact us and ask for our Home Loan Department or send an email by clicking here.
Effective as of March 1, 2025| TERM | RATE | FEES | ANNUAL PERCENTAGE RATE | MONTHLY PAYMENT PER $10,000 | LOAN-TO-VALUE | LOAN AMOUNTS |
|---|---|---|---|---|---|---|
| 12-Year Fixed Rate* | 7.25% | $0 | 7.25% | $104.18 | Up to 90% | $10,000 - $100,000 |
| 12-Year Fixed Rate* | 7.75% | $0 | 7.75% | $106.88 | Up to 100% | $10,000 - $60,000 |
*Home Improvement Loan
- APR and interest rate quotes are based on a FICO score of 730 or higher.
- Fixed rate second mortgages are a one-time, lump sum distribution.
- Home Improvement Loans require improvements to be completed by a licensed contractor. Funds will be disbursed directly to the contractor upon completion of the work, i.e. solar panels, roofing, pool, windows, etc.
- Rates, terms, and fees listed are accurate as of the date shown above and subject to change without notice. Rates, terms, and conditions will vary based on creditworthiness and other factors. Conditions and restrictions apply and all loans are subject to underwriting approval.