Home Improvement Loans

Simple, Unsecured Financing for Home Upgrades

Our Home Improvement Loan program is for homeowners who need fast access to capital for renovations, repairs, or upgrades, without using home equity and without refinancing their mortgage.

This is not a mortgage. It’s an unsecured loan based on credit and income, making the process faster and far less restrictive than traditional renovation financing.

Why This Program Is Different

• Not a mortgage loan
• No appraisal required
• No loan-to-value (LTV) calculation
• No lien on the property
• No home equity required
• Unsecured personal loan

Loan Guidelines

• Loan amounts: $50,000 – $160,000
• Minimum credit score: 720+
• Property type: Primary residence
• Occupancy: Owner-occupied
• Approval in 48 hours

Documentation Requirements

• 2 months bank statements
• Income verification
• Work order/contractor estimate
• Residence verification

Key Features

• No collateral required
• No lien filed against the property
• No equity tap or refinance
• Faster approval than traditional mortgage products
• Ideal for renovations, repairs, and home upgrades

Ideal For Homeowners Who:

• Don’t want to refinance their existing mortgage
• Don’t have (or don’t want to use) home equity
• Want a simple, income-based approval process
• Need funding quickly for home improvements

Contact us for more information about this Home Improvement Loan.