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Noy and Stacie Garcia
2007-09-17

San Antonio
Everyone was friendly, helpful, fast and had wonderful customer service. the service was outstanding and would highly recommend H.I.M. to anyone.
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Antonio Rodriguez Concepcion
2007-09-17

Austin
I would greatly recommend!
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Dana Wyborny
2007-08-01

Austin, TEXAS
After being told by other lenders that they could not help me because I own my own business and have no proof of income, we found HOME IMPROVEMENT MONEY. Within a week they found us a loan, and ten days later we had checks in hand. What a great experience. Friendly, no hassle service you can count on. I would recommend them to anyone.
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John Smyser
2007-06-15

San Antonio Tx.
I had a wonderful experience with Home Improvement Money and would recommend them to anyone. The process was fast and easy. The whole process took about a week and a half from the time we signed our contract with the builder that we chose. We ended up having some issues with the builder and when Home Improvement Money found out they refused to do business with that builder anymore, which made us feel like they really care about the customer. Even though if we could do it over again we would definitely check out our builder more thoroughly, we were very fortunate to have found Home Improvement Money. They were wonderful!
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Texas Home Improvement

Texas style home

The majority of lenders who underwrite “Home Improvement” loans require equity. Customers, many times, are calling us asking us if we do “Home Equity” loans. Although we can originate a “Home Equity” loan, we discourage our customers from this loan type and to explore a “Home Improvement” loan instead. The interest rates and terms are better. In Texas, the overall loan underwriting requirements are much easier. In “Texas” a “Home Equity” loan, the borrower can only borrower, “80%” of the documented value of the property they want to improve.
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Closing Information

Prior to scheduling a closing you will be required to produce this documentation:
  • Signed contract between you and your builder
  • Copy of your home mortgage "NOTE". The lender wants to read the language if your current mortgage is a "Interest Only" loan. They will NOT subordinate behind a "INTEREST ONLY" 1st mortgage
  • Copy of your monthly mortgage statement
  • Name, phone number and policy number of HOMEOWNER INSURANCE AGENT.
  • Verify borrower and co-borrower income. Employeed only needs 2 recent paystubs showing year to date. Commissioned needs to have 2 recent paystubs with 2 yrs w-2's. Self Employed will need 2 years TAX RETURNS with ALL the schedules.