Home Improvement Loan

Looking to put in a new deck or pool? Redesign your kitchen? Add a new roof, siding, or windows?

First Financial's Home Improvement Loan is available to help you create the home you've been imagining.* It's time to move your "wants" to the top of your to-do list!

When you apply, you will receive:
  • Great Rates 1
  • Up to 10-Year Term
  • Borrow up to $250,000 2
  • Loan to value ratio up to 80% 3
  • Up to $7,500 unsecured/over $7,500 mortgage secured 4
  • No Pre-Payment Penalty 5
  • Fixed Monthly Payment

Apply for a Home Improvement Loan online, stop by any branch and inquire within, or call the Loan Department at 732.312.1500, Option 4.

*Available on primary residence only. A First Financial membership is required to obtain a Home Improvement Loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth of Ocean Counties. See credit union for details. 1 Rate will vary based off of applicant’s credit rating. Not all applicants who apply will be approved, subject to underwriting guidelines and credit approval. 2 Lien position and appraisal valuation may affect the maximum loan amount. 3 Not all applicants will qualify for maximum Loan to Value (LTV) ratio. It will be based off of creditworthiness, property type, occupancy, lien position, and loan amount. Rates will be affected by LTV or combined LTV if there is another lien on the property. 4 Loan amounts over $7,500.00 will be required to give First Financial FCU a security interest in their property. Rates will vary based off of lien position and whether the loan is mortgage secured or unsecured. 5 For mortgage secured Home Improvement loans First Financial FCU (FFFCU) will waive closing costs at inception of loan. If loan is terminated within the first 2 years of opening, closing cost waiver is revoked and are required to be paid back by member to FFFCU.

Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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