HOME IMPROVEMENT LOANS FOR RESIDENTS OF SELECT COUNTIES IN ARKANSAS AND TEXAS

HOME IMPROVEMENT LOANS

what it is

The Home Improvement Loan Program at Communities Unlimited provides affordable financing for essential home repairs in select Arkansas and Texas counties, targeting low- to moderate-income residents who lack access to traditional loans. It helps homeowners address urgent needs like roof repairs, unsafe flooring, and HVAC issues, supporting both individual well-being and community resilience.

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Consumer Loan Officer

Jesse Saldana

Consumer Loan Officer

Jesse Saldana

Jesse Saldana joined Communities Unlimited (CU) as the Consumer Loan Officer in December 2024.  Jesse lives in Brownsville, TX, and brings almost 20 years of experience as a Personal Banker at Wells Fargo to the position.

Jesse manages consumer loans, assesses applicant eligibility, monitors payments, and ensures borrower satisfaction and timely repayment. He holds a Bachelor of Business Administration in Finance from Pan American University.

Phone:(956) 431-8848

Housing

Name(Required)

ELIGIBLE COUNTIES:
Arkansas
Arkansas, Ashley, Bradley, Calhoun, Chicot, Clay, Cleveland, Columbia, Craighead, Crittenden, Cross, Desha, Drew, Greene, Hempstead, Jackson, Jefferson, Lafayette, Lee, Lincoln, Little River, Miller, Mississippi, Monroe, Nevada, Ouachita, Phillips, Poinsett, Prairie, St. Francis, Union, Woodruff

Texas
Cameron, Hidalgo, Starr

Details

  • Up to $3,500
  • 2 year term
  • Monthly payments
  • 10% APR

Purpose

  • Home Improvements & Repairs
  • Leaking roofs
  • Flooring repairs
  • HVAC systems
  • Mold remediation
  • Other repairs

Requirements

  • No collateral
  • No credit required, proof of on-time payments may be required
  • ≈ 40% maximum debt-to-income
  • Proof of homeownership

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity , 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov (email).

Reasonable Modifications for Individuals with Disabilities

Reasonable modifications may be requested by emailing info@communitiesu.org or calling (479) 443-2700, or persons with speech or hearing impairment may call toll-free 1-800-877-0996 for service in English and Spanish.