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Renovation Loan

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Renovation Loan

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Call us at (513) 333-6337.

Should I renovate my home?
Renovating your current home, or purchasing a home you would like to make some changes to, are both exciting projects. It is important to evaluate your options before choosing to renovate. Here are some common reasons why renovating your home would be a good investment.
  • Improve living conditions: Many homeowners find certain elements of their home outdated, while many new homeowners find their newly purchased home not quite up to par with what they need. Renovation projects like room expansion and basement finishing are popular options for growing families who may not want to relocate and are happy with other elements of their current home.

  • Upgrade: Making energy efficient improvements like appliance upgrades, installing new windows, or replacing insulation not only increases your home's value, but could also reduce the money you spend on utility payments. Although the initial cost of this project may seem high, the cost reduction could contribute to greater savings over time.

  • Increase resale value: Homeowners who plan to move from their current home within the next few years often complete small scale renovation projects to increase the market price of their home. It is important to ensure the cost of the project does not exceed the estimated value of the renovation --- and the changes that have been made appeal to the majority of buyers.

What are my loan options?

Every homeowner has a unique situation. Here are two common loan types used for renovations:

Use your property as collateral to make renovations (under $30,000) without applying for a new mortgage.

Choose if you plan to:

  • Make repairs
  • Upgrade your home
  • Pay down debt
  • Purchase another property

Learn More

Choose if you plan to make changes to your current or new home, exceeding $30,000:

  • Upgrade your home
  • Make changes to newly purchased home
  • Purchase another property

Learn More

Apply Now
Ready to begin your new journey? Let's get started.

Download Sample Documents
Review the documents you'll need throughout the process.

‌‌View All Rates & Mortgage Options
Take a look at current rates and additional loan options

Ask one of our home lending specialsts.

Start gathering the documents you'll need.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush

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