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: Title One Loans :

Click here to fill out a form online. You can submit it via fax or bring it into your favorite branch - visit our Contact Us page for more info.

Apply today for a Housing and Urban Development (HUD) Title 1 Home Improvement Loan to improve the energy efficiency, liveability or utility of your home. If you have home improvements you'd like to make or are simply worried about your utility bills and can't figure out how to make the needed improvements, this loan may be for you! Even if you already have a second mortgage, you may be approved. Questions? Contact our mortgage team for more information.

• Fund energy-efficiency improvements and apply for the AHFC Home Energy Rebate Program.
• Reduce energy bills, save money, and stay warm!
• Low closing costs which can be financed for nearly $0 out of pocket expense.
• Local approval and servicing.
• No appraisal generally needed
• Usually funds in 7-10 days

• New Heating System
• New Energy Efficient Appliances
• New Windows
• Additional Insulation
• New Roof
• New Wiring and/or Plumbing
• Installation of approved Well and/or Septic System
• Many more Home Improvements that improve the Energy Efficiency, Livability or Utility of a property

• Single family house – up to $25,000
• Manufactured house on permanent foundation – up to $17,500 (classified and taxed as real estate)
• Manufactured house (classified as personal property) - up to $7,500
• Multifamily structure – up to $12,000 per living unit up to a total of $60,000

• Single family house – 1-20 years
• Manufactured house on permanent foundation – 1-15 years
• Manufactured house (classified as personal property) – 1-12 years
• Multifamily structure – 1-15 years

The interest rate is a fixed rate that is generally based on the most common market rate in the area and the credit score of the borrower.

There is no prepayment penalty.

All loan funds will be disbursed directly to the borrower a few days after loan closing. A certificate of completion will be required when the improvement is done, and a final inspection will also be necessary as specified by HUD.

The property to be improved must be member-owned (and Everyone Can Join!). If new construction, it must have been completed and occupied for at least 90 days

If you are purchasing a new or existing home, we can originate the first mortgage or simply help you finance improvements to your new property!

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