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Financing Options

We don’t want anything to stand in the way of your next home improvement project. That’s why we offer flexible payment options with fast approvals for most credit levels. Explore how easy and convenient payment options make unplanned replacements painless and put your dream home projects within reach.

  • Home equity: If your property value is higher than that of your mortgage, you can take out a loan based on that equity.
  • Personal loans: With a higher rate of interest, these loans aren’t secured by tangible assets. They’re based off your credit and ability to repay the loan based on your income and debts.
  • 203K loan: 203K loans are becoming more popular for renovation expenses because they’re flexible, have lower interest rates, and give you a better deal. Of our financing options, it’s the only one that will allow you to include the property value that’s being added on by the improvement work to the loan before the work is completed.
  • Credit cards: If the financing period is minimal, financing your project through credit cards might not be a bad idea. Out of our other options, the interest rate does run higher. But, when used to temporarily cover costs before refinancing or when there’s another financing plan in place, credit cards can be a great option.

Projects under $5,000

Credit cards are accepted $5,000 maximum.

Project Size $5,000- $100,000

Home equity line of Credit (HELOC)

Talk to your banker or ours about the possibility of a HELOC.

Our Partner

We recommend you call Christine Christensen at Bell Bank. Her experience in HELOC financing will allow for a pain free financing option on your renovation.

Main: 952-905-5000

Direct: 952-905-5007


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Christine Christensen
Christine Christensen