Your Path to Your Home Paradise
At Raiz, we’re dedicated to guiding you through your renovation journey, making it easy to finance your dream kitchen, cozy living area, or backyard sanctuary. Together, we can create a space that truly reflects your style and needs.
Ready to Start the Path to Home Renovation?
Let’s embark on your renovation journey together! Raiz is here to support you with Home Improvement Loans.
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Features
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Terms Up to 120 Months
Lower your monthly payments with flexible terms that work for you. Choose the term that fits your lifestyle, from 12 months up to 120 months.
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Borrow Up to $50,000
Borrow what you need for your bath remodel, kitchen upgrade, new flooring, home painting, or solar panel installation. Raiz can assist you in financing the amount you need to complete your project.
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Peace of Mind with Raiz Preferred Vendors
Choose from one of our trusted contractors—they’re insured, bonded, and vetted by Raiz to help you avoid scams. Already have a contractor in mind? Let Raiz vet them and manage the payment plans so you only need to focus on choosing the paint color! Call the Raiz Lending Team at 915.455.2873 for the latest list of Raiz Preferred Vendors.
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Fast and Local Approvals
Raiz provides local, less risk-averse underwriting. This means a loan officer makes the decision locally, which gets you funding quicker!
Unlock More Savings on Your Loan!
Lower your monthly payment with a 0.50% rate discount when you set up Direct Deposit and Auto Pay on your Raiz account.* That’s more than $1,800 in savings over the life of your loan if you borrow $50,000 with a 120-month term at current rates.
Find the Perfect Plan for You
Browse our competitive rates and find the loan term that best fits your needs.
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¹APR = Annual Percentage Rate. Rates are subject to change at any time without notice. All loans are subject to credit approval. Not all applicants may qualify.
- Refresh Your Living Space
- Upgrade Your Kitchen or Bath
- Build Your Home Theatre
- Go Energy-Efficient
- Create Your Perfect Backyard
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
Cross "Finding a Reputable Contractor" Off Your List ✔️
Raiz can connect you with reputable contractors and landscapers who are bonded and insured for your peace of mind. Once your loan is approved, we’ll send the funds directly to you or your Raiz-vetted contractor. No need to worry about payments, cash, or checks. We keep it simple. Do you already have a contractor? Great—Raiz will verify that they are licensed, bonded, and insured to help you avoid any surprises during your renovation. Call the Raiz Lending Team at 915.455.2873 for the latest list of Raiz Preferred Vendors.
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Apply Online
The online application takes only minutes to complete.
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Get Approved
We’ll review your application and quickly let you know when you’re approved.
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Receive and Use Funds
Once you’re approved, we’ll send the funds directly to you or your Raiz-vetted contractor.
Learn More About Home Improvement Loans
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We strive to process your application and fund your Home Improvement Loan as quickly as possible. While times may vary, we’ll keep you in the loop so you can plan your project without unnecessary delays.
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Home Improvement Loan interest rates start at 10.49% APR. Take advantage of the 0.50% rate discount and set up direct deposit and automatic payments linked to a Raiz Account*.
*A 0.50% rate discount is available when both direct deposit and automatic payments are set up and linked to a Raiz account. If direct deposit or automatic payments are canceled, your rate will return to its contracted rate.
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Apply online now. We’ll guide you through each step to make it simple so that you can focus on your home improvement project.
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When considering a Home Improvement Loan, we recommend working with licensed, bonded, and insured contractors, always obtaining 2-3 quotes from different providers, and checking with the Better Business Bureau. You can find more tips on our blog (link to the contractor blog).
You can also choose from one of our preferred contractors. They’re insured, bonded, and vetted by Raiz to help you avoid scams. Ask us about them when you apply or call the Raiz Lending Team at 915.455.2873 for the latest list of Raiz Preferred Vendors.
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Yes! Our Home Improvement loans are versatile and can be used to finance a wide range of home improvement projects, from renovations and repairs to landscaping and more.
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Our loans are perfect for new and current homeowners wanting to improve their homes. You must be the current homeowner for the property and get pre-approved by Raiz before your vendor can start work. Eligibility depends on your credit, so contact us to get started!
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At Raiz, we prioritize a stress-free application process. When applying for a Home Improvement Loan, you’ll submit essential details about your financial situation and home improvement goals, and our friendly team will keep you updated every step of the way.
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With a Raiz Home Improvement Loan, you can borrow up to $50,000. Our flexible terms, ranging from 12 months to 120 months, are designed to fit your unique project needs.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
*A 0.50% rate discount is available when both direct deposit and automatic payments are set up and linked to a Raiz account. If direct deposit or automatic payments are canceled, your rate will return to its contracted rate.
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More Features
Competitive Rates
Save money on your mortgage with Competitive rates compared to many other financial institutions.
Variable and Fixed-Rate Loans Available
Choose the mortgage that works for your budget and goals with variable and fixed-rate loans available.
Low Down Payment Options
You don’t need to come up with 20% to purchase your new home. We offer low down payment options to fit your budget.
Jumbo Loans
Borrow more to afford a house in a higher price range with jumbo loans available up to 100% LTV.
Variety of Repayment Options
Get more control over your monthly and total payment with a variety of repayment options.
Quick Closing Times
Purchase your new home even faster with quick closing times.
Local Service
All our agents are local, so they understand the local housing market for more personalized and knowledgeable service.
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