If you’ve built some solid equity into your home, a home equity loan is one of the smartest ways to borrow money. It can give you access to cash for education, home improvement, debt consolidation, medical expenses, vacations, and more.
A home improvement loan from Robins Financial is a great option if you're looking to make home improvements but don't have substantial equity in your home. This loan option allows you to borrow up to $40,000 for home improvement projects without needing to borrow against your home.
This home improvement loan is great for renovations, remodeling, or any of that work you’ve been putting off since moving in. Our home improvement loan helps cover the cost of materials, helps pay for contractors, and can cover any unexpected expenses that crop up along the way - and with big renovation projects, you always need to expect the unexpected.
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Borrow up to $40,000 for home improvements
No closing costs
Keep Your Home’s Equity
- Repairing or updating your roof
- Installing new windows
- New floors
- Remodeling your kitchen or bath
- Installing central air
- Putting in an inground pool
If home improvement is on your radar, then the time to apply is now!
Subject property must be primary residence. All borrowers must be on the title and occupy the property. Borrower will need to submit a contractor’s bid sheet or a detailed materials list with pricing. Other terms and conditions apply; subject to credit approval.
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Apply online, by phone, or visit any of our branch locations.
A Home Equity Loan is the perfect way to find "extra" cash for big expenses. Get a one-time lump sum with a fixed-rate and consistent monthly payments.
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Robins Financial pays all closing costs
Loan amounts from $5,000 up to $125,000
Loan based on the equity accrued in your home
- Fixed Term and Fixed Rate up to 10 years
- Borrow up to 95% of the value of your home*
- Convenient Payment Options available
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Apply online, by phone, or visit any of our branch locations.
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Disclosures
*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849 or HMDA data can be viewed on the Consumer Financial Protection Bureau’s website at https://www.consumerfinance.gov/hmda.
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Home Equity Line of Credit
Not sure how much you need? Our Visa® Home Equity Line of Credit works similar to a credit card. You're given a set credit limit, which you can borrow from and repay as needed.
Robins Financial Credit Union pays all closing costs
Credit limits $5,000 - $150,000
Minimum initial advance of $5,000.00 required
- Borrow up to 100% of the value of your home*
- Convenient access to your Line of Credit with a Visa® card
- Competitive rates and affordable payments
- Convenient Payment Options available
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Fixed Advance Home Equity Line of Credit
We now offer a fixed-rate advance for HELOCs, allowing you to lock in your HELOC balance in part or in full at a low fixed rate to help you save even more. Plus, decide the length of the loan you would like with term options up to 10 years. A HELOC fixed-rate advance provides the predictability of knowing what your payment amount will be month to month, giving you more flexibility with the rest of your budget.
Low fixed rate & fixed payment
Advances from $5000 up to the credit limit
Choose your loan term with options up to 120 months
- Ability to take out up to 3 fixed-rate advances at one time
- Convenient Payment Options available
- Fixed Payment
- Easier to budget and plan ahead
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Apply online, by phone, or visit any of our branch locations.
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Disclosures
*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible. Rates as low as Prime minus 1%. **Floor rate is 4.00%. The maximum APR that can apply is 18.00%. Prime is a variable rate; as it changes, the APR on your account will also change.
View our Full Home Equity Early Disclosure for more details.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849 or HMDA data can be viewed on the Consumer Financial Protection Bureau’s website at https://www.consumerfinance.gov/hmda.
Not sure how much you need? A home equity line of credit works similar to a credit card. You're given a set credit limit, which you can borrow from and repay as needed.
| Type | Fixed Rate Home Equity Loan | Visa® Home Equity Line of Credit |
|---|---|---|
| Loan-To-Value (LTV) | 100% | 100% |
| Access to funds | Funds disbursed in a single check or deposited into the Robins Financial account of your choice. | Anywhere Visa® is accepted, ATMs, any Robins Financial location, Digital Banking. |
| Payment Options | Fixed monthly payments with direct payments from any Robins Financial account. | 1.5% of balance plus unpaid interest |
| States Available | Georgia (Primary residence only). | Georgia (Primary residence only). |
Visa® Home Equity Line of Credit
Get the money you need when you need it. Use this revolving line of credit based on the available equity in your home.
Fixed Rate Home Equity Loan
Use your home's equity to buy what you need now. Receive your money all at once then pay it back in stable, fixed monthly payments.
What is LTV?
Credit Unions and other lenders will extend credit based upon a percentage called Loan-To-Value, or LTV. LTV measures the amount of available equity that you have in your home. Equity is calculated by taking a percentage of the estimated market value of your home minus the amount you still owe on your first mortgage.
For example, if your home has a market value of $100,000 and you still owe $50,000 on your first mortgage, your total available equity (the maximum amount you can borrow) is calculated as follows:
| Total Available Equity | Fixed Rate Home Equity Loan or Visa® Home Equity Line of Credit |
|---|---|
| Estimated Market Value | $100,000 |
| Percentage LTV | 100% |
| Percentage of Market Value | $100,000 |
| Less Mortgage Debt | $50,000 |
| Available Equity | $50,000 |
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Disclosures
*Property must be primary residence and located in the state of Georgia. Modular homes are not eligible. Rates as low as Prime minus 1%. **Annual Percentage Rate. Floor rate is 4.00%. The maximum APR that can apply is 18.00%. Prime is a variable rate; as it changes, the APR on your account will also change.
View our Full Home Equity Early Disclosure for more details.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849 or HMDA data can be viewed on the Consumer Financial Protection Bureau’s website at https://www.consumerfinance.gov/hmda.