Turn your home into your Dream Home!

A Home Improvement Loan offers a great way to add value to your property and enjoy your home even more through the improvements you want to make.

  • Major Improvement Projects Only — complete remodel, room additions, full landscape projects only.
  • Minimum $250,000 loan amount
  • 1st Mortgage only (this is a bank program)
  • OWNER-PRIMARY and SECOND HOME only — not for investment.
  • Remodeling or room additions
  • Pool & spa and complete landscape projects

This program requires full income documentation, proper debt-income ratio, and reserves. A licensed general contractor is required (no owner-builder). In addition, work may NOT have already commenced on the project — you will need approved plans, but this program is NOT a “completion” loan for major home improvement projects.

Funds are drawn on a disbursement basis as work is completed, per a draw schedule.

A 2/1 ARM is the default program for our home improvement loans, though fixed terms of 3/1 and 5/1 are available.


Home Improvement Loan lets you borrow a percentage of the “after-improved” appraised value of the home.

80% Loan-to-Improved-Value $250,000 to $1.0 million loan amount
75% Loan-to-Improved-Value $1.01 million to $1.50 million loan amount
70% Loan-to-Improved-Value $1.501 million to $2.00 million
Loans over $2.0M — call

“You were the only lender we spoke to that would allow us to get cash from our home without owning it for at least a year. We were able to get our landscaping done with the new loan. Thank you so much for your help.”

~ Brandon & Jennifer O., Folsom, California

Home Improvement Loans and Credit Lines feature:

  • 2/1, 3/1, or 5/1 Amortized Term adjustable-rate loans options
  • Loans from $250,000 to $2.0 million +
  • Interest-only payments on balance drawn prior to completion, fully amortized payments after completion.
  • Available on primary residences and second homes only
  • Requires 720 credit, full income doc, reserves, and no major derogatory credit issues in the last 7 years.

Call me today to confidentially discuss your unique situation, or send me your home equity loan inquiry online. Either way I’ll provide you with the information you need to get started with your home improvement project right away!