Lighthouse Credit Union
Expand your possibilities. Make room for more with an in-law apartment, accessory dwelling unit (ADU), or some major upgrades to your home.
“I have been with Lighthouse for years. I can always count on a positive experience with all staff – they are knowledgeable, patient and friendly. My financial questions/needs are always met. I couldn’t be happier!”
| Term | Interest Rate | APR | Loan to Value Ratio |
|---|---|---|---|
| 60-107 Months | 6.74% | 7.423% | Up to 80% |
| 108-120 Months | 6.94% | 7.318% | Up to 80% |
| 121-180 Months | 7.24% | 7.587% | Up to 80% |
| 181-360 Months | 7.74% | 7.993% | Up to 80% |
The Fixed Home Renovation Loan offers a loan term of up to 360 months (30 years) and begins with a 9-month interest-only construction period followed by a fully amortized re-payment period for the remaining months. For a maximum term of 360 months, loan amount must be greater or equal to $200,000. ADU Home Renovations loans are only available for homes in New Hampshire, Massachusetts, Maine, or Vermont.
A payment example for a Home Renovation loan with a $200,000 loan amount at 7.740% interest rate and annual percentage rate of 7.993% with a term of 360 months will have a monthly principal and interest payment of $1,431.44.
The APR in the payment example was effective on 07/21/2025. The current APR may be different than the APR used in the payment example.
Put your money to work, and see the benefits in your accounts and the world around you.