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Renovate with Confidence: Home Improvement Loans in Utah
Flexible financing options to help you build the home you’ve always wanted — without the financial stress.
Turn Your House into Your Dream Home
Whether you’re upgrading your kitchen, finishing your basement, or adding square footage — investing in your home improves its comfort and increases its value. Home improvement loans help make it possible without draining your savings.
We help Utah homeowners access affordable funding through refinance options, home equity loans, or HELOCs — depending on your goals.
What Can a Home Improvement Loan Cover?
Common Projects We Finance:
Upgrade appliances, cabinetry, and layout for better functionality and style.
Create a spa-like retreat or improve accessibility and efficiency.
Boost energy efficiency and protect your home from the elements.
Add extra living space or storage to fit your growing needs.
Enhance outdoor living and increase curb appeal.
Transform unused space into a livable, valuable part of your home.
Lower energy bills and improve your home’s sustainability.
Loan Options for Home Renovation
Best for larger, one-time renovation projects. Replaces your mortgage and gives you a lump sum in cash.
Ideal for phased projects or long-term upgrades. Borrow what you need, when you need it.
Similar to a personal loan but backed by your home. Fixed interest rate with predictable monthly payments.
How Much Can You Borrow?
The amount depends on your home’s current market value and existing mortgage balance.
Rule of Thumb:
- Most lenders allow borrowing up to 80–85% of your home’s value
- Subtract your existing mortgage balance to estimate usable equity
Utah Homeowners Are Investing in Quality of Life
Frequently Asked Questions
Can I get a loan before hiring a contractor?
Yes. You can get pre-approved and start comparing quotes while your financing is processed.
What’s the difference between a HELOC and a cash-out refinance?
HELOCs offer flexibility and variable interest. Cash-out refis provide a lump sum with fixed terms.
Are renovation loans tax-deductible?
Interest may be deductible if used to “substantially improve” your primary residence. Always check with a tax advisor.Depending on loan type, you could close in as little as 24 days.
Explore Other Loan Services
We offer more than just cash-out refinance options. Explore our full suite of lending solutions built for Utah homeowners and new residents alike:
Whether you’re tapping equity through cash-out refinance loans in Utah or starting fresh with a home relocation loan, our expert team is here to help.
Ready to Fund Your Remodel?
Let’s turn your vision into reality. Get the financing you need to upgrade, expand, or modernize your Utah home today.