Home Improvement Loans

Home improvement loans can open up new possibilities for your property

A home improvement loan allows you to maximize the potential in your current property by financing updates and upgrades. You can use a home improvement loan to add square footage, update flooring or countertops, install energy-saving enhancements, add a pool and more.

To speak to the Mortgage Department, call 210-945-3300, select option 3, then option 2.

Home Improvement - 7 year

Why might a home improvement loan be a good choice for me?

A home improvement loan can open up new possibilities for your property. If you do not currently have equity built up in your home, a home improvement loan can give you the financing you need to move forward with desired improvements.

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Fixed-rate that will not fluctuate during the loan term
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Make improvements with little to no equity in the home required
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Interest may be tax deductible

  • Can I use a home improvement loan to finance an addition to my home?
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    Yes, a home improvement loan can be used to finance a home addition.

  • Can I build a pool with my home improvement loan?
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    Yes, our home improvement loans can be used to build pools as well as to do other outdoor projects like landscaping.

  • Can I be my own contractor with a home improvement loan?
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    No, our home improvement loans require a contract be executed with a third-party. The contractor cannot be an owner of the property. 

  • I've already started work on my home. Is it too late to apply for a home improvement loan?
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    Another loan option may better suit your needs. In order to qualify for the home improvement loan, work could be required to cease for up to 30 days. If you are already in process, you may wish to consider a personal loan or home equity loan.

  • Can I use a home improvement loan to pay off additional debts or consolidate debts?
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    No, a home improvement loan can only be secure for the improvement contract price. However, a home equity loan or personal loan might fit your needs for debt or debt consolidation.

Still have mortgage questions?

Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. As a safeguard, a 5-day cooling-off period is required by Texas law before home improvement loans may be closed. A 3-day right of rescission is also required after closing before the funds may be disbursed. NMLS# 583215