Sewer and Water Loans

Unsecured personal loans for home improvement projects. No minimum credit score, no income limits (minimum or maximum), and no minimum asset or home equity required.

Loan Products & Rates

Loan Amount$3,000-
$50,000
Interest Rate8-11%Fixed
Terms3-8yrs

Fees apply depending on improvement. Origination Fee: 2.5% and 1.25% for military discounts + Project Management Fee: 2.75%.

Eligibility

  • Primary Applicant must be the OWNER of the RESIDENTIAL subject property
  • Home must be located in: Florida, South Carolina, Georgia, or Alabama
  • Applicant(s) must prove ABILITY TO PAY (i.e., Employment, Social Security, Disability, etc.)
  • Property Taxes must be current
  • Home Mortgage loans must be current (with proof)
  • Primary Applicant cannot have a bankruptcy in the past 12 months
  • Co-signer or cash guarantee (i.e. 5-20% of total project cost) may be required depending on the Applicant(s) previous payment history

Eligible improvements include septic-to-sewer conversions, lateral line replacements, connection to central water, conservation, and plumbing fixes.

Make your home and the environment cleaner with a sewer and water loan!

Project Management: From Start to Finish

SELF also provides project management from start to finish, including: pre-screening all contractors to verify applicable licenses, insurance and a good track record; reviewing quotes to prevent price-gouging; and, coordinating with local building officials and homeowners before making final payment to the contractors.

Frequently Asked Questions

  • Proof of home ownership
  • Proof of income
  • Ability to repay the loan
  • Mortgage paid on time in the past 90 days
  • Current on all local property taxes
  • No minimum income required
  • No minimum credit score required

Success Stories

Ruth Vernon, Tampa

SELF helped Ruth completely redo her bathroom. "Now my daughter doesn’t have to worry about me falling"