A Title 1 Smart Improvement Loan is a loan insured by FHA that allows contractors to offer home improvement financing to their customers even though they may not have equity or have limited credit. Features of South Central Bank's FHA Title 1 Smart Loan are:

• Low, fixed interest rates based on loan amount (not equity or term)
• Single family loans up to $25,000; multifamily $60,000
• Unsecured loans up to $7,500
• Fast approvals/few loan requirements
• No points or "junk" fees
• No equity required and no appraisals
• You offer the credibility of being an FHA approved contractor.
• You offer bank financing, not high-rate financing from finance companies.
• Owner occupied or investment property accepted

For more information on our indirect loan programs just call Joe Graf at
1-800-421-4411 or click on the links to the left!