Finance Your Home Projects Without Using Home Equity
Whether you're planning a kitchen renovation, need emergency repairs, or want to boost your home's curb appeal, a personal loan from 1st Franklin Financial lets you get started right away—without putting your home at risk as collateral.
Unlike home equity loans or HELOCs that require appraisals, extensive paperwork, and risk foreclosure if you can't pay, our personal loans are unsecured. You get the funds you need with a simple application process and fixed monthly payments.
Popular Home Improvement Projects
Kitchen Remodel
Cabinets, countertops, appliances, and flooring.
Bathroom Upgrades
New fixtures, tile, vanities, and accessibility features.
Roofing & Siding
Repair or replace roof, gutters, and exterior.
HVAC Systems
New furnace, AC unit, or complete system upgrade.
Windows & Doors
Energy-efficient replacements for better insulation.
Landscaping
Patios, decks, fencing, and outdoor living spaces.
Personal Loan vs. Home Equity Loan: Which is Better?
| Feature | Personal Loan | Home Equity Loan |
|---|---|---|
| Collateral Required | ✓ No | ✗ Yes (your home) |
| Appraisal Needed | ✓ No | ✗ Yes ($300-500) |
| Time to Funding | 1-3 days | 2-6 weeks |
| Risk of Foreclosure | ✓ No | ✗ Yes |
| Best For | Projects under $15K | Large projects $50K+ |
Benefits of Financing Home Improvements
- Increase Home Value: Kitchen and bathroom remodels typically return 60-80% of costs at resale
- Lower Energy Bills: New windows, insulation, and HVAC can significantly reduce utility costs
- Prevent Costly Damage: Addressing issues early prevents expensive emergency repairs
- Improve Comfort: Enjoy your upgraded living space while paying over time
- Fixed Payments: Budget with confidence knowing your payment never changes
How Much Can You Borrow?
Our home improvement loans range from $600 to $15,000, making them ideal for a wide range of projects:
- $600 - $2,500: Minor repairs, appliance replacement, paint, fixtures
- $2,500 - $5,000: Bathroom updates, flooring, landscaping
- $5,000 - $10,000: Kitchen upgrades, window replacement, HVAC
- $10,000 - $15,000: Major renovations, roofing, comprehensive remodels
Start Your Home Project Today
Apply now to see how much you qualify for. Quick approval, no home equity needed.
Check Your Rate