Home Remodel and Repair Loans
Whether you want to update your current home or buy a fixer-upper that needs work, a remodel and repair loan from Rural 1st could be exactly what you need. Financing can be used to finish a basement, install new HVAC, renovate a kitchen and more.
Getting Started with Your Remodel
Turn your home into your dream home.
When you’re ready to move forward with your remodel, Rural 1st can help you accomplish your vision for your home. There are many factors to consider, from financing to finding the right contractor.
Bundle with another loan
You may realize that a simple remodel isn’t enough. To add additional square footage, you’ll need a construction loan. We can easily combine your remodel and repair loan with a home or construction loan, giving you the same peace of mind because we’re the experts in rural construction loans.
Loan terms that work for you
You can get up to a 30-year loan on your remodel or repair with no minimum loan amount required.
Ability to use equity
Use your existing home, land equity, cash or a combination to put as little as 15% down.†
Why Rural 1st?
Lower rates for less
If a lower rate becomes available after you close, you can reduce your rate for a small fee* without the hassle of refinancing.
Choose your builder
While other lenders ask you to work with a builder they prefer, we let you choose your own. And our digital tool lets you manage your build in real-time with your contractor and Rural 1st team.
One-time close
We like to make things easy for you. Other lenders may require you to take out a construction loan and then refinance into a regular mortgage, but Rural 1st can help you go from construction to a permanent loan with one simple package.
Calculate Your Monthly Mortgage Payment
We’re here to help you find a loan that works for you and your needs. Please use our calculator if you’d like to get an idea of your estimated payments or loan possibilities.
Considering a refinance? Check out our refinance calculator.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
Calculate Your Maximum Loan Amount
We’re here to help you find a loan that works for you and your needs. Please use our calculator if you’d like to get an idea of your estimated payments or loan possibilities.
Considering a refinance? Check out our refinance calculator.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
You might be eligible for a loan up to
$-
Total Payment
Principal:
$-
Interest:
$-
Insurance & Taxes:
$-
This calculator is based on the Annual Percentage Rate (APR) being fixed to maturity. Down payment requirements apply. Additional loan fees may apply. Example of monthly payment provided assumes that any taxes, insurance or points to be paid at closing are not financed into the loan amount. The information provided by this calculator is for illustrative purposes only, and Rural 1st does not guarantee any of the information obtained by this calculator. All loans are subject to credit approval and eligibility requirements. This calculator cannot prequalify you for a loan, and qualification requires additional information.
Customer stories
Our sole focus is helping people achieve their goals of owning rural property. Here’s what they had to say about working with Rural 1st.
†A $400,000 loan would require a 15% down payment with a monthly principal and interest payment of $2,728.71 for 360 months based on 7.46% annual percentage rate (APR). Assumes $8,293 in closing costs. Monthly payments do not include amounts for taxes and insurance premiums so the actual monthly payment will be greater if an escrow account is established. Available rates and terms including the APR are subject to change without notice. The APR is based on the best available interest rate as of 09/01/2026.
Explore Your Options
Get Started
One of our loan officers will contact you to discuss your financial options.
Inquire NowStart Your Application
Ready to get started on your loan application? You can complete your application online.
Apply Now
