Home State Bank will be performing scheduled system maintenance on Sunday, July 19, from 12:01 a.m. to 2:00 p.m. CT. During this time, Online Banking, Mobile Banking, ATM services, and some additional banking services may be temporarily unavailable. We appreciate your patience as we complete these improvements to enhance the security and reliability of our systems.
Whether you're making necessary repairs or planning upgrades, a Fix-Up Home Improvement Loan can help finance a wide range of projects. With affordable fixed rates and flexible repayment terms, you can invest in your home with confidence.
Loan Features
Affordable fixed interest rates
Lower rates available for eligible energy efficiency and accessibility improvements
Loan amounts from $2,000 to $75,000
Secured and unsecured options available
Little to no home equity required
Higher loan-to-value ratios on secured loans compared to traditional loan products
Repayment terms up to 20 years
Finance projects already started or completed within the past 120 days
Hire a contractor or complete the work yourself
No prepayment penalty
Eligible Improvements
Eligible projects may include:
General Repairs and Remodeling
Roofing and siding
Porches and decks
Basement finishing
Kitchen cabinets and countertops
Bathroom fixtures and updates
Flooring and drywall
Driveway and sidewalk repairs
Garage improvements
Mold or radon mitigation
Tree removal or trimming
Energy Efficiency Improvements
Heating systems and central air
Heat pumps (air, geothermal, groundwater)
Windows and insulation
Attic air sealing
Water heaters
Air exchangers
Accessibility Improvements
Ramps
Home accessibility modifications
Safety upgrades
If you're unsure whether your project qualifies, speak with one of our lenders for guidance.
How to Get Started
Complete the paper application
Obtain contractor bids or detailed materials estimates
Finalize loan documents with your lender
Begin your improvements
Our team is here to guide you through each step of the process.
