Can't find your new home? Create your dream home with the best Home Improvement Loan in Houston! Refresh your kitchen, build your backyard oasis or anything in between.
Create Your Dream Home Today
- Up to $250,000
- Up to 90% Future LTV (Loan-to-Value)
- Up to 20 year financing
- Rates as low as 4.99% APR1
Get more out of your home improvement loan
Traditional Home Improvement Loan
Home value | $200,000 |
Remaining balance of home loan | -$150,000 |
Home Value after remaining balance | $50,000 |
90% of home value eligible to borrow | x .90(90%) |
Total available to borrow for improvements | $45,000 |
FCCU Home Improvement Loan
Home Value | $200,000 |
Improvement Value | +$30,000 |
Home Value with Improvements | $230,000 |
Remaining balance of home loan | -$150,000 |
Home value after remaining balance | $80,000 |
90% of home value eligible to borrow | x .90 (90$%) |
Total available to borrow for improvements | $72,000 |
Home improvement Process
1. Talk to a contractor and receive an official bid on a project you’d like to begin
2. Apply for a Home Improvement loan
3. FCCU will review your loan and contractor bid
4. Once approved, FCCU will work with your contractor directly.
5. Enjoy your home improvement project
1. Talk to a contractor and receive an official bid on a project you’d like to begin
2. Apply for a Home Improvement loan
3. FCCU will review your loan and contractor bid
4. Once approved, FCCU will work with your contractor directly.
5. Enjoy your home improvement project
Use your funds for

Kitchen Remodel

Bathroom

Pool
1APR = Annual Percentage Rate. Membership with First Community Credit Union (FCCU) must be established and considered “in good standing”. FCCU home loan programs are only available Homestead properties located in Texas. All loans are subject to credit approval and FCCU lending policies. Other restrictions may apply. Loan amount may not exceed $250,000. A sample loan payment for a Future Home Improvement Loan based on $75,000 at 4.99% APR for 15 years = $592.70. Payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. Rates, terms and conditions are subject to change at any time without notice. Texas homestead properties are limited to 90% of the loan to future market value, less the first mortgage owed. Property insurance is required, including flood insurance where applicable. The approval is subject to application, credit qualification, and income verification; additional evaluation and verification criteria may apply. Consult with a tax advisor regarding the deductibility of interest.