Home Improvement Loans

Home Loan Application

The Bank & Trust offers home improvement loans to enhance your quality of life. These loans are fixed term, and can be financed with a series of equal monthly payments, pending approval.

Home improvement loans are secured by a first or second lien position on a primary residence and include the filing of a Mechanics and Materialmen (M&M) lien. All home improvement loans must result in permanent changes to the existing residence and are subject to credit approval.


Home improvement loans from The Bank & Trust allows our customers to increase the value of their existing homes, resulting in higher resale value and greater enjoyment of their property. Our loan officers want to make your home improvement loan application and approval process as simple and fast as possible. Come in today and let us talk to you about the benefits of a home improvement loan. Interest on a home improvement loan is generally tax deductible.

Terms and General Information

The Bank & Trust provides conditional approval on home improvement loans. This process allows the Bank to begin the qualification process immediately, and provides a 24-hour turnaround of preliminary approval with a 30-day guaranteed rate to allow development and finalization of the bid proposals from general contractors and subcontractors. The property to be improved must be the applicant’s primary residence, and work cannot begin, nor materials be delivered until funding takes place. To allow for a right of rescission, the borrower will receive the loan proceeds on the fourth business day after the loan closing process takes place.  For more information on The Bank & Trust’s home improvement loan program, call (979) 260-2100 today!