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Home Improvement Loans

Flexible home improvement loans for every project.

Transform your home with financing that works for you. Lower offers flexible home improvement loan options—HELOCs, Cash-Out Refinancing, and Home Equity Loans—designed to fit your unique renovation needs and budge

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No-impact credit check. No commitment.
homeimprovement
Home Improvement Loan Benefits

Why finance your home improvements with Lower

Choosing the right financing for your home improvement projects is
easy with Lower. Here’s why homeowners trust us for their renovations.

Flexible financing options
Competitive rates for monthly savings
Dedicated loan officer support
Streamlined, hassle-free application
No hard credit check until you’re ready

A better, all-digital
experience with 30,000+
5-star reviews.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
Shane
LendingTree
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow

HELOC: Best for ongoing or flexible renovation projects.

A HELOC is a revolving line of credit, ideal if you’re tackling a series of projects or unsure of the total cost upfront. With a HELOC from Lower, you can borrow only what you need, when you need it, and pay interest only on what you use.

Apply for a HELOC
A recently renovated deck
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Cash-Out Refinance: Best for large, one-time projects.

With a cash-out refinance, you replace your existing mortgage with a new one, taking out extra cash based on the equity you’ve built up. It’s a smart choice for big projects, such as a full kitchen or bathroom remodel, where a lump sum will cover the costs.

Apply for a cash-out refinance

Home Equity Loan: Best for single, set-cost renovations.

A home equity loan provides a one-time, fixed-rate loan based on your home’s equity. Perfect for projects with a set budget, like a new roof or driveway, a home equity loan offers predictable monthly payments for straightforward planning.

Apply for a home equity loan
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Frequently Asked Questions

You’ve got home improvement loan questions. We’ve got answers.

How do I qualify for a home improvement loan?

Qualification depends on your home equity, credit score, and the type of loan you choose. Generally, HELOCs, Cash-Out Refinances, and Home Equity Loans require sufficient home equity and a qualifying credit score. Contact us to learn more about requirements for each option.Work with a Lower loan advisor.

What are the interest rates on home improvement loans?

Home improvement loan rates vary based on the type of financing and your personal qualifications, such as credit score and equity. Contact us to get personalized rates for HELOCs, Cash-Out Refinances, or Home Equity Loans. Get your personalized rate quote.

What’s the best way to finance a home remodel?

The best financing option depends on your project needs. For ongoing projects, a HELOC may be ideal. For large, one-time remodels, a Cash-Out Refinance or Home Equity Loan can provide the funds in a single payment with predictable terms.

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