Home Improvement Loans in Waco, Texas

Apply for a Home Improvement Loan in Waco with 1st University Credit Union

Ready to transform your house into the home you've always envisioned? Our home improvement loans offer a simple and affordable way to fund renovations—whether you’re planning a kitchen remodel, adding extra living space, or enhancing curb appeal—right here in Waco, Texas.

Secured Financing Options

Our home improvement loans are designed to be secured by your property, which means your home serves as collateral for the loan. This helps us offer competitive interest rates and more favorable terms. If you already have an existing mortgage, our home improvement loan will be set up as a second loan, without changing your current mortgage. This means you can keep your existing loan as it is while adding additional financing specifically for your renovations.

With this setup, you can get the funds you need without the hassle of refinancing your entire home loan. It’s a straightforward solution that lets you keep your mortgage while financing your improvements.

Focused on Renovations, Not Cash Out

It’s all about making your home better for you. Our home improvement loans are designed specifically for enhancing your property—not for taking cash out. This focus helps ensure the funds are used to increase the value and comfort of your home, with affordable payments and terms that work for your lifestyle.

Looking for a Cash Out Refinance? We do those too!

Why Choose 1st UCU for Your Home Improvement Loan in Waco?

• Competitive Rates: Because the loan is secured by your property, we offer competitive rates to help you achieve your goals affordably.

• No Cash-Out, Just Home Improvements: These loans are dedicated solely to renovating or enhancing your home.

• Flexible Financing: Our home improvement loans offer flexibility, allowing you to get the funding you need without altering your current mortgage.

Make the upgrades you need with a loan that fits your plans. Ready to get started? Apply today.

Have more questions? Contact 1st UCU Mortgage Services today to discuss how we can help finance your next home improvement project.

(254) 752-2797
(877) 377-2797
mortgageservices@culink.net

Want to find out how much loan you can afford to borrow? Click here for our loan calculator.

MORE HOME FINANCING OPTIONS

We also offer loans for:

• Conventional Mortgages

• Home Equity Loans

• FHA, VA, and USDA

• Second Home

• New Construction

• More!

COME JOIN THE 1ST UNIVERSITY CREDIT UNION FAMILY

You can become a member of 1st University Credit Union by opening and depositing $5.00 or more into a share savings account. $5.00 is the minimum balance that you must maintain in your account while it is open. Once your share account is open, you are eligible for all other credit union services.

Membership is open to anyone. Typically, our current members include:

• People who live, work, or worship in the Waco, Texas area

• Baylor University Students, Employees, Alumni, and members of the Baylor Air Force ROTC

• Chartwell Employees

• People who work or reside in Baylor-owned properties

• Relatives of current 1st UCU members

• Baylor Alumni by Choice - members of this association are friends of BU, but not traditional alumni

A 1st University Credit Union membership is for life, no matter if there is a change in employment, family relationship, or place of residence. 

Ready to get started? Click on the button to open your account online, visit your local branch, give us a call, or request to talk to a representative who can help answer your questions!