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Renovation Loans for Remodeling Your Home
You’ve found your dream home, but it needs a few small fixes here and there. We’re here to help. Renovate. Remodel. Reinvent.
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- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Select Checking Earn outstanding monthly dividends typically associated with Certificates of Deposit.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Digital Banking Tools
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed-Rate MortgagesFlexible terms and stable monthly payments.
- Adjustable-Rate MortgagesSuitable for frequent movers and those wanting the flexibility of a shorter term.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Title Services
- Buy a Home
- Credit Cards
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- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
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- Home Equity Loans
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- Skip a Payment
- Calculate a Payment
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- Auto
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- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
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It just needs one more thing…
You've found a great home, in your price range, in a great location, and you're ready to go…however, it just needs that one thing to be completely perfect.
Whether your dream home requires a fresh coat of paint, new marble countertops, or the musty carpet ripped out (or any other cosmetic improvement), we’ve got you covered.
Our Renovation Loan could just be the answer for you. The renovation loan allows you to upgrade now and pay over time, so you can create a space you’re proud to call home. The loan includes both the cost to buy/refinance and the cost to make home improvements.
From kitchen remodels, to landscaping, a fresh coat of paint, or a brand new pool, call us today at 269.544.3105 and find out what our team can do for you!

How do renovation loans work?
The Arbor Financial Renovation Loan is for non-structural improvements up to $50,000. These home improvements include paint, carpet, countertops, cabinets, siding, air conditioning, heating, windows, a new roof, or accessibility enhancements.
In some cases, home renovations can be delayed with the purchase of a new home due to a deficit in cash to allocate to a down payment, mortgage, and intensive home renovation. The Renovation Loan is our way of changing the game, so members can buy and renovate simultaneously.
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