It Just Needs One Thing...

You've found a great home, in your price range, in a great location, and you're ready to go. just needs one thing to be completely perfect. Whether it needs fresh paint, new counters, the carpet needs to be removed, the cabinets won't work, or any other cosmetic-type improvements, we can help ensure you have that in your budget!

The Arbor Financial Renovation Loan could be the answer for you. The renovation loan lets you make upgrades now and pay over time, so you can create a place you're proud to call home. The loan includes both the cost to buy the house (or refinance it) AND the cost to make improvements, and pay for them over the life of your loan. This way, you can make sure that your dream home is really YOUR dream home in every way.

From room additions and kitchen remodels, to landscaping, paint or a new pool, call us today at 269.544.3105 and find out what our team can do for you!

How Does It Work?

The Arbor Financial Renovation Loan is for non-structural improvements, up to $50,000. These types of improvements include things like paint, carpet, countertops, cabinets, siding, air conditioning, heating, windows, a new roof, or accessibility enhancements.

In some cases, these improvements can be delayed with the purchase of a home because buyers may not have cash to allocate to a down payment and mortgage, while still having enough to renovate the house. The Renovation Loan is Arbor Financial's way of changing that for our members.

Of course every situation varies, so if you're interested in our Renovation Loan, give our Mortgage Team a call at 269.544.3105 and we'll make sure you get the deal that's right for you.

Arbor Financial's Construction and Renovation Loans are built on these concepts:

  • One-time closing costs
  • Fixed-rate loans with low rates
  • Flexible financing terms from 10 to 30 years
  • Easy application process with a quick response
  • Loan serviced by Arbor Financial so you will always speak to someone local if you have questions

When you're ready to apply, here's what to consider:

You'll need documentation for all borrowers, including:
  • Social Security number
  • Contact and employment information
  • Best estimates of income, assets, and liabilities
Once you've applied, we'll contact you to:
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate

Building your own home is a big step. Perhaps it's also time to take stock of all your finances. If you open a checking account at Arbor Financial, you get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay, and more. It's easy to open your account online or switch your account to become an Arbor Financial member.

Why choose Arbor Financial?
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories  


When it comes to the right mortgage, Arbor makes you feel right at home.

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