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

HOME IMPROVEMENT LOANS

The Home Improvement Loan Program at Communities Unlimited is designed to support residents in select counties across Arkansas and Texas by providing accessible, affordable financing for essential home repairs and improvements. This initiative aims to fill a critical lending gap for low- to moderate-income households who may not qualify for traditional bank loans or lack access to other financial resources.

Through this program, eligible homeowners can receive funding to address urgent housing needs such as repairing or replacing a leaking roof, fixing damaged or unsafe flooring, and servicing or upgrading heating, ventilation, and air conditioning (HVAC) systems.

By helping families maintain safe, livable homes, Communities Unlimited not only enhances individual quality of life but also strengthens the long-term stability and resilience of the communities it serves.

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

Let's Talk

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

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.