100% Home Improvement Loans

Even if you haven't had much time to build equity, you can still use the equity you do have to improve your home.

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A Home Loan for the Full Value of Your Equity

If you've never applied for a home improvement loan because you didn't think you had enough equity, then this is the loan for you. With our 100% Home Improvement Loans, you can put your equity to work sooner and begin those long awaited home improvements.

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Maximize the Equity in Your Home

Now there's no need to wait to build up your equity. As long as you know how much money you need, you can borrow up to 100% of your home’s available value, and receive a single advance of funds.

Save on Closing Costs — And Your Taxes

Our 100% Home Improvement Loans come with no closing costs, saving you hundreds of dollars. And, because most personal interest deductions have been eliminated under current federal tax laws, you can now deduct the interest from your taxes.*

Convenient — and Affordable — Monthly Payments

If you want your payments to stay the same each month, this is the right loan for you. Plus, you can set up an automatic payment directly from your Bank of Texas checking account, so you don't have to worry about it every month. It's that easy.

Apply Online

The application is available online and takes less than 20 minutes to complete, and may be approved online.

After your application is completed, a Mortgage Banker will contact you to introduce themselves and to answer any questions you may have. Your Mortgage Banker is a mortgage expert and will provide help and guidance along the way.

If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

Ready to Get Started?

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Related Information

Loan Rates

Find up-to-date interest rate information on all our loans.

Related Products and Services

Looking for something more conventional? If a 100% Home Improvement Loan isn't quite right for you, we have a variety of other products to choose from.