Ready to make a BIG home improvement?

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Whether you’re putting in a pool, building on a bathroom, redoing a roof, or reconstructing a kitchen, you could borrow up to 133%* of what your home is worth to make your home sweet home even sweeter.

With a home improvement loan from BayFirst, you can:

  • Borrow up to 133% of what your home is worth*, up to $250,000

  • Borrow without private mortgage insurance

  • Pay no closing cost fees up to $2,500**

  • Spread payments out over 20 years

Borrower Benefits:

One of the highest home equity loan amounts available

Longer repayment terms than traditional home equity loans (20 years)

Low monthly payments

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, including your next big home improvement. So, before you break ground, let us find the right financing for your property plans. For over 20 years, our expert lenders have helped customers like you build the home of their dreams. Let us help you make a permanent upgrade to up the value of your home.

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Qualified homeowners will have good repayment capacity, character and credit (scores at 660 or above) and can provide proof their funds are directly for home improvement.  You must also have only one mortgage (and no additional liens) and it must be your primary property (no investment or second/vacations properties allowed).

To estimate how much you can borrow, first multiply your appraised home value by 1.33 (133%). Then, subtract your outstanding mortgage balance. Need help? Check out our Home Improvement Loan Value Calculator.

A 133% home improvement loan is one of the highest home equity loan amounts around. 133% loans can carry higher interest rates than those associated with lower LTV ratios and traditional mortgages. However, the repayment term is longer – in this case 20 years – which helps us keep monthly payments low for the borrower over the term of the loan.

A 133% home improvement loan is a great option for borrowers who want to add some improvements to their primary residence but might not have the available home equity to get the amount they need to make those improvements. With this loan, qualified homeowners can borrow up to 133% of their homes current value (minus what they currently owe on it).

We can lend for projects that will add permanent value to your property, including new additions (bedrooms, bathrooms, inground pools, affixed solar) and fixed improvements (built-in patios, new driveways, built-in BBQ areas, new roofs, renovated bedrooms, bathrooms and kitchens). Improvements that cannot be considered include above-ground pools, Jacuzzis, minor landscaping, and simple appliance upgrades.

A list of materials, a Purchase Order, and a contractor’s signed bid all may need to be provided to ensure the loan meets our standards.

Apply For Your Loan.

What’s Next? Apply in 3 easy steps!
  • Gather your information

    You’ll need your social security number and a valid ID such as a driver’s license or other government issued ID.

  • Fill out the information

    We’ll ask you for a few details to complete the application process.

  • Receive your financing

    You’ll be able to create a BayFirst account and manage your loan from there.