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Secured Loans for Your Home Improvements

Apply Now: Central Bank Secured Loans






(MUST meet requirements below to apply)


Q: How do I know if I’m eligible or qualify for the loan?

A: Eligibility and General Requirements

  • Borrowers must own the property
  • The property must be the Borrower's primary residence
  • Property must be single-family dwelling
  • Meet general credit/underwriting requirements
    • Debt to Income < 43%
    • Combined loan to value under 90%
    • Credit Scores >700
  • Eligible Project type of construction: Gunite and Fiberglass inground pools
  • Construction can't be started until after closing
  • An ability to save evidenced by some or all of the following: Liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt
  • Stable and sufficient income and assets to repay current debt obligations and any new loan


Ready to get started? Apply for a Texas Secured Loan online today!










Important information: about procedures for opening or changing an account with Central Bank. Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This federal requirement applies to all new customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. What this means to you: when you open an account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. Additionally, FinCEN has adopted what they describe as a “two pronged” approach to beneficial ownership. The ownership prong includes all natural persons with 25% or more direct or indirect equity interest in a legal entity while the control prong is a single individual with significant managerial responsibility (the Rule says “control, manage or direct”) over the legal entity. We will ask to see each person’s driver’s license and other identifying documents, and copy and record information from each of them.


Completing the online application for a quick loan decision.

List all of your verifiable assets in the asset section on the application:

  • Checking/savings
  • Stocks/bonds
  • Retirement/401k


List all of your verifiable sources of income:

  • Salary, bonus, commissions, dividends, interest, rental income


Best way to contact you:

  • A Central Bank Home Improvement specialist will be contacting you shortly to review your on line application and discuss the many programs available and what best fits your family budget.






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