Have fun cooking with your family in a renovated kitchen.

Home Improvement Loan

Transform your space with your home equity

Borrow $35,000 - $200,000
Fund one big project or several small ones with a home equity loan starting at $35,000.
100% U.S.-Based Customer Service
Our 100% U.S.-based customer service team is ready to help you get started.
Zero-fee Appraisal, Zero-fee Origination
Apply today to start your home improvement financing with $0 cash due at closing.
Refresh the look and feel of your home

Remodel or upgrade with a fixed-rate loan

Add to Your Space
Add to Your Space
A new home equity loan may help you boost your square footage, repurpose your basement, or build that shed.
Improve a Room or Two
Improve a Room or Two
With a low rate and monthly payment, you could add a home office, dream kitchen, or main bedroom suite.
Increase Your Green
Increase Your Green
Add sustainable materials, install energy-efficient appliances, and save some green because there are no costs required at closing.

Compare a home equity loan to a personal loan from Discover to help decide what works best for your home improvement projects.

Run the numbers with our calculators

Explore potential loan options.
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Check out home improvement resources

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fixed rate

Use our Monthly Payment Calculator to find a rate and payment that fit your budget.

Discover Home Loans Restrictions and Details

We do not lend in IA or MD. You are not guaranteed approval. Once you apply and submit your credit and property information, we will confirm your eligibility. We don’t lend on cooperatives, condotels, investment properties, log homes, manufactured homes, mobile homes, or secondary homes. We will only originate one 1st lien mortgage per property per 12-month period. The maximum loan amount you qualify for will depend on additional factors, including type of loan, lien position, loan-to-value and your credit history. We may change rates, program terms, and conditions without notice. Discover Card accounts and other Capital One accounts (with the exception of Discover home and personal loans) may not be paid off with this home loan. All loan programs are offered by Capital One, N.A., 2500 Lake Cook Road, Riverwoods, IL 60015. NMLS ID 453156.

 

Loan Payment Example Disclosure

For example, if you borrowed $60,000 for a 20 year term at 8.86% APR, your fixed monthly payments would be $534.45.