+48 74326 02396

 +48 74326 02396

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.

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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:

Kitchen remodels

Upgrade appliances, cabinetry, and layout for better functionality and style.

Bathroom renovations

Create a spa-like retreat or improve accessibility and efficiency.

New roofs or windows

Boost energy efficiency and protect your home from the elements.

Home additions and garages

Add extra living space or storage to fit your growing needs.

Decks, patios, and landscaping

Enhance outdoor living and increase curb appeal.

Basement finishing or conversions

Transform unused space into a livable, valuable part of your home.

Solar panels or HVAC upgrades

Lower energy bills and improve your home’s sustainability.

Loan Options for Home Renovation

Cash-Out Refinance

Best for larger, one-time renovation projects. Replaces your mortgage and gives you a lump sum in cash.

HELOC (Home Equity Line of Credit)

Ideal for phased projects or long-term upgrades. Borrow what you need, when you need it.

Home Equity Loan

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

We used our equity to build a detached garage and finish our basement. Now we’ve added value and space — and stayed in the neighborhood we love.

Travis & Elena, Layton

Our kitchen reno paid off big — both in home value and day-to-day happiness. It felt amazing to use the equity we already had

Shelby R., Orem

Frequently Asked Questions

Yes. You can get pre-approved and start comparing quotes while your financing is processed.

HELOCs offer flexibility and variable interest. Cash-out refis provide a lump sum with fixed terms.

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:

Relocation to Utah

Find the right Utah relocation home loan when moving to the Beehive State.

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VA Loans & PCS Relocation in Utah

Unlock exclusive rates and benefits with VA financing.

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Cash-Out Refinance

Unlock the Cash in Your Home

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Home Improvement Loans

Fund renovations and upgrades, big or small.

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Debt Consolidation Loans

Streamline your finances with a single, low-rate payment.

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Utah Cash Out Refinancing

USDA & Rural Loans in Utah

Country living with city perks no down payment required.

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Loans for First-Time Buyers, Baby Boomers & Downsizers

Tailored solutions for every life stage and budget.

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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.

Get Pre-Qualified

Contact with us for your any help needed from our company

Contact with us for your any help needed from our company