Home Improvement Loans | Elements Financial
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Home Improvement Loans

Your home is an important part of your life. Now that you are ready to put your home improvement plans into action, the next step is to decide how you will fund them.

Our Home Improvement Loans help you update your home now and pay for them on your own time depending on your specific needs.



Elements Financial’s Home Improvement Loans

Fixed Rate Home Improvement LoanHome Improvement Loan 10 Year and 15 Year Fixed
  • An unsecured loan that provides easy access to up to $25,000 for your home improvement project.

Call your Elements Mortgage Loan Originator or the Elements Mortgage Hotline at (800) 561-9433 to get your application started.

Or apply online for your unsecured, Fixed Rate Home Improvement Loan.

  • A secured loan allowing you to borrow up to 133% of the current value of your home (up to $250,000) for your home improvement project.
  • A good option if you don't have sufficient equity in your home.

Call your Elements Mortgage Loan Originator or the Elements Mortgage Hotline at (800) 561-9433 to get your application started.

Or apply online for your secured, 10 Year or 15 Year Fixed Home Improvement Loan.


Current Home Improvement Rates

Payments shown do not include taxes and insurance premiums. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates.

Unsecured Loans Rate APR
Fixed Rate Home Improvement Loan 6.240% 6.279%

Maximum Loan Amount of $25,000. Fees: $125 processing fee applies to all Fixed Rate Unsecured Home Improvement Loan applications.


Secured Loans Rate Points APR Payment
Home Improvement Loan 10 Year Fixed 7.240% 0.000 7.411% $586.75
Home Improvement Loan 15 Year Fixed 8.240% 0.000 8.366% $484.78

Home Improvement Closed-End Loans: Annual Percentage Rate (APR). Combined Loan to Value 101% to 133%. Maximum Loan Amount of $250,000. APRs above are calculated using loan amounts of $50,000, credit score of 710 or greater and loan to value of greater than 100% for a single family residence. Closing costs: A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. The actual closing costs generally range between $500 to $1,200, depending on the location of the property, the amount of the loan and other factors. Payments: stated payments do not include hazard insurance, property taxes, or flood insurance. Your actual payment may be higher.

Tax Deductibility: Elements Financial does not offer tax advice. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms and conditions are subject to change without notice.