May is National Home Improvement Month and the perfect time to talk about loans that can help you finance a project you might have in mind. Smart remodeling choices can add value to your home, the single largest investment in your lifetime.

There are many available options for your home improvement projects. One such loan product is a Personal Loan, sometimes referred to as a Home Improvement Loan. Personal Loans are more suitable for smaller projects and do not require you to use your home as collateral. This type of loan covers most purchases and makes sense if you don’t have enough equity in your home to qualify for a HELOC (Home Equity Line of Credit), which is a different option for home improvements. Your equity in your home is your home’s value, minus what you owe on it. A HELOC is a revolving secured loan where your home’s equity is used as collateral. Funds are available when you need them. Along with home improvement (personal) loans and HELOCs, other VacationLand options include conventional mortgage loans, second mortgages, VA loans, vacation home loans, and FHA loans.

Headquartered in Washington, D.C., (The National Association of Home Builders), NAHB, points out that not all remodeling projects are DIY. The mission of the NAHB is to promote the benefits of hiring a professional remodeler. The North Coast Building Industry Association is your local not-for-profit affiliate of the National Association of Home Builders representing the home building industry in Erie, Huron, and Lorain counties.

Hiring a trustworthy contractor and other vendors who have been vetted prevents uncompleted or unacceptable work and provides peace of mind. The Erie County Home Builders Association (ECHB) is another dependable resource. Find out about their organization and meet some of their trusted partners who can guide you through a substantial remodeling project and offer advice, with lists of professionals from home remodelers, contractors, and realtors and their contact information. The ECHB has been serving our area since 1948. They pride themselves on high standards and fair dealings, and adhere to a rigorous code of ethics.

You can also search for your contractor’s business profile with the help of our Better Business Bureau at You’ll find excellent tips for interviewing anyone to work on or in your home, and ways to ensure your home improvement project runs like clockwork.

Do you have a project in mind? These organizations can be found online to get things moving after you have decided which VLFCU loan fits your needs. Typical home remodeling projects include kitchens, bathrooms, windows and doors, HVAC systems, landscaping, swimming pools, roofs, garage doors, and much more. If you can imagine it, we’re here to help you achieve it.

Why not call us at 800-691-9299 or request more information online to hear from our knowledgeable staff. We will expedite your pre-approval so you can move forward with your home projects!

VLFCU is an Equal Housing Lender