Put Your Home’s Value to Work
Home improvement in your future? Planning a major purchase? Looking to consolidate debt or create more financial flexibility?
At Landings, we offer home financing solutions designed to help you make the most of your home's value. Whether you're borrowing against your existing equity or financing qualifying home improvements, we have options that fit your needs.
Our lending solutions offer competitive rates, flexible terms, and payment options designed around your goals.
Choose from a Fixed-Rate Second Mortgage, Home Equity Line of Credit (HELOC), or Home Improvement Loan to access funds for renovations, debt consolidation, education expenses, unexpected costs, and more.
Understanding Your Home Financing Options
A home equity loan or HELOC allows you to access the value you’ve built in your home while keeping your existing mortgage unchanged. These options can provide funds for a variety of financial goals, including home improvements, debt consolidation, and major expenses.
A Home Improvement Loan is designed specifically for qualifying renovation projects and may be an option for homeowners who want to improve their home without relying solely on available equity.
Common Ways Members Use Home Financing:
- Home renovations or repairs (kitchens, bathrooms, roofing, additions)
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- Debt consolidation to simplify monthly payments
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- Landscaping and home upgrades
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- Major purchases or planned expenses
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- Education or medical expenses
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- Unexpected costs or additional financial flexibility
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Fixed-Rate Second Mortgage 
A Fixed-Rate Second Mortgage provides a lump sum upfront with a fixed interest rate and consistent monthly payment. This option is ideal when you know exactly how much funding you need and want the peace of mind that comes with payment stability.
Why Choose a Fixed-Rate Second Mortgage?
- No surprises: Your interest rate remains the same for the life of your loan.
- Predictable monthly payments: Budget with confidence knowing your payment stays consistent.
- Perfect for planned expenses: Great for large home improvement projects, debt consolidation, or major purchases where costs are already known.
- No balloon payment: Enjoy peace of mind knowing there is no balloon payment at the end of your loan term.
- No prepayment penalties: Pay off your loan early without worrying about additional fees or penalties.
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Home Equity Line of Credit (HELOC) .png)
A HELOC gives you access to a revolving line of credit using your home’s equity. Unlike a lump-sum loan, a HELOC allows you to borrow only what you need, when you need it — like a credit card, but often with lower rates.
This option is especially helpful for projects completed in phases, ongoing expenses, or situations where you want borrowing flexibility.
Why Choose a HELOC?
- Flexible access to funds: Borrow what you need, when you need it — up to your approved limit.
- Perfect for projects over time: Ideal for home renovations completed in stages or expenses that may change.
- Pay interest only on what you use: You only pay interest on the amount borrowed, not your full approved limit.
- Reusable line of credit: As you pay down your balance, available funds may replenish during the draw period.
- No unnecessary fees: Enjoy no annual fees, no minimum balances, no minimum draw amounts, and no prepayment penalties — giving you more control over how and when you use your funds.
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Home Improvement Loan.png)
A Home Improvement Loan helps you finance qualifying home renovation projects—even if you have limited home equity. Whether you're upgrading your kitchen, replacing your roof, or installing a new HVAC system, this financing option is designed to help you improve your home while protecting you throughout the construction process.
Why Choose a Home Improvement Loan?
- Finance your renovation project: Eligible borrowers may finance up to 133% of the appraised value (or purchase price if the home has been owned for less than 12 months).*
- Designed specifically for home improvements: Loan funds must be used exclusively for qualifying home improvement projects.
- Wide range of eligible projects: Finance renovations such as kitchens, bathrooms, landscaping, pools, roofing, HVAC systems, flooring, windows, doors, and more.
- Licensed contractors required: All work must be completed by licensed contractors or subcontractors, providing added confidence in your project.
- Funds released as work progresses: Loan proceeds are disbursed based on the percentage of project completion—not all at once—to help protect both you and your investment.
*Maximum financing is subject to credit approval, underwriting guidelines, and project eligibility.
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Which Option is Right for You?
A Fixed-Rate Second Mortgage may be right for you if:
✔ You know exactly how much money you need
✔ You want a fixed rate and stable monthly payment
✔ You prefer predictability and long-term budgeting confidence
A HELOC may be right for you if:
✔ You want access to funds over time
✔ Your project costs may vary or happen in phases
✔ You value borrowing flexibility and ongoing access to available funds
A Home Improvement Loan may be right for you if:
✔ You don't have enough equity for a traditional home equity loan
✔ You're financing a qualifying home improvement project
✔ You're working with a licensed contractor
✔ You want financing designed specifically for renovations
Not sure which option fits your needs? Our home loan specialists are here to help guide you through your options.
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