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FHA Home Improvement Loan -- No Equity Required

Have you been putting off home repairs like a new roof or new paint job? Now is the time to apply for your UCU Home Improvement Loan. You'll get a low rate and will enjoy other benefits like:

  • Quick turnaround
  • No equity requirements
  • No points
  • No annual fees
  • No appraisals

The maximum loan amount is $25,000. The FHA Title I Home Improvement Loan is designed to finance specific improvement only, as outlined by the Federal Housing Administration (FHA). Those improvements can include and are not limited to:

  • Carpet, Tile, Hardwood flooring
  • Air conditioning & Heating
  • Paint and wallpaper
  • Roof repairs & replacement
  • Fences and walls
  • Wiring
  • Room remodels
  • Room additions

If you are going to finance home repairs, please note that you must arrange your financing before you start improvement construction. A written estimate of the project cost is required before the loan can be funded. UCU will place a lien on the property for loan amounts of $7,500 or higher.

Check out our current rates. To get started now on your home improvement project, call a UCU Real Estate Loan Officer at (310) 477-6628, xt 2304.

Some restrictions may apply. All loans listed are available only to members residing in California and on primary member residences (single-family, owner-occupied, detached dwellings, or condos, townhouses or duplexes) in the following counties: Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino. Rates are subject to change without notice. Loans issued subject to credit review.

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Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.		 An additional $250,000 of coverage provided by American Share Insurance (ASI), a private corporation
An additional $250,000 of coverage provided by American Share Insurance (ASI), a private corporation.		 University Credit Union is an Equal Housing Lender.
University Credit Union is an Equal Housing Lender.

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For more information, please e-mail us or call (310) 477-6628.