Home Improvement Loan.

Don’t have equity built up in your home yet? You can still finance your fixer-upper projects. Our Home Improvement Loan is designed just for you.

Paul, an Affinity Plus member, in front of a home with solar panels.
Paul, Minnesota Resident

What You Get

A Great Rate

Get a low, fixed rate that’s lower than our personal loan options.

Up to $70,000

Borrow up to $70,000 to fund your big improvement or repair projects.

Flexible Terms

Choose a term that works for you. And there are no prepayment penalties.

MyPlus Rewards™

Earn MyPlus Rewards points, and redeem them for travel, gift cards and more.

Getting Started is Easy

Get Started

Apply online to start the approval process. A mortgage loan officer will reach out to complete the application process.

Returning Applicants

Return to an application you've already started, securely upload documents, and check the status of your application.

We're here to help.

You can connect with a mortgage loan expert for questions you have about our home loans.

Homeowner Personal Loan

Fund a home project without using your home's equity. The Homeowner Personal Loan lets you access a smaller amount of funds, without closing costs.

Kelly, an Affinity Plus member, on a purple background
Kelly, Affinity Plus Member


The Homeowner Personal Loan is a Home Equity Loan and is secured by a second-position mortgage lien on the property. No down payment is required. Loan must be repaid with monthly electronic or Automated Clearing House (ACH) payments over the term of the loan. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Homeowner’s property insurance is required, and flood insurance may be required. New or existing Affinity Plus membership is required.

Closing costs will apply ranging from $340 - $1,000. Ranges are based on a minimum loan amount of $10,000 and a maximum of $100,000.