Home Improvement Loan Program

Make Those Home Improvements You Have Been Planning

Interest Rates as Low as 1.00% (APR 1.787%) for eligible homeowners

The University Neighborhood Home Improvement Loan is an affordable way to quickly access the money you need to make interior and/or exterior home renovations and repairs - even if you have built little or no equity in your home.

Frequently Asked Questions

WHAT DOES THE LOAN PROGRAM OFFER?

  • Financing up to $10,000 (determined on a case-by-case basis)
  • No income requirements
  • Low interest rates and closing costs
  • Low fixed payments
  • No pre-payment penalty
  • Your choice of contractor (must have general liability and worker’s comp insurance)
  • Most exterior home renovations are eligible

HOW DO I QUALIFY?

To qualify you must:

  • Own and occupy a property in the boundaries of the UNPA Target Area
  • Are current on your property taxes and water bills

HOW DO I APPLY?

Apply by completing the attached application and sending all materials to info@homehq.org. The process can start in as little as 24 hours if you make sure to also include the following documentation:

  • Recorded deed to your home
  • Current homeowners insurance stating period covered and amounts of coverage
  • Proof of income for applicant (copies of three current consecutive pay stubs, SSI benefit letter, social security, pension, unemployment, etc.)
  • Previous year’s federal tax return (if filed)
  • Driver’s license or other form of picture identification
  • Lead test results for children under 7 who reside in the home

WHAT ABOUT HOME IMPROVEMENT LOAN INSPECTION SERVICES?

Home HeadQuarters, Inc. can provide home improvement loan inspection services for UNPA Home Improvement Loan customers. Inspection services conducted by trained inspection staff can include the following:

  • Review of work specification provided by contractor
  • On-site inspection of work in progress
  • On-site inspection of work completed
  • Required sign off by contractor, homeowner and inspector of project satisfaction for final payment

Fee for Inspection Service: $300 (Can be financed within loan)

About

The University Neighborhood Preservation Association is committed to promoting owner-occupacy in the UNPA Target Area

Contact

(315) 476-5228
director@unpa.net
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