Can I Get a Loan for a Room Addition to My House?

Thinking about adding a bedroom, office, sunroom, or expanding your living space? A room addition is a smart way to improve your home’s comfort, functionality, and value—but how do you finance it? Homeowners in Overland Park, Leawood, Kansas City, and surrounding areas often ask:

"Can I get a loan for a room addition?"

The answer is yes—and First National Bank is here to guide you every step of the way with real people (not robots) to make the process easy and stress-free.

In short:

Yes, financing is available for room additions through various loan options.
Common choices include home equity loans, HELOCs, and construction loans.
Lenders require plans, estimates, and a clear scope of work to approve the loan.
This helps determine the loan amount and ensures the project will add value to your home.
At First National Bank, actual humans walk you through the process.
No call centers—just local experts from our Louisburg, Prairie Village, and Stilwell branches committed to personal, friendly service.

Loan Options for Room Additions

At First National Bank, we offer several types of loans perfect for financing room additions:

Home Equity Loans:
Borrow against the equity you’ve built in your home with fixed monthly payments and interest rates.
Home Equity Lines of Credit (HELOC):
Use funds as needed over time, similar to a credit card, but with much lower interest rates.
Construction Loans:
Ideal for larger or more complex additions. These loans cover the building costs during construction and convert to a mortgage upon completion.
Cash-Out Refinance:
Refinance your existing mortgage and take out extra funds to pay for your room addition.

Each option has its pros and cons depending on your home's current value, how much equity you have, your credit score, and the size of the project. Our team of actual humans will explain these options in detail and help you pick what’s right for you.

What Lenders Typically Require

To apply for a room addition loan—whether you’re in Overland Park, Leawood, Kansas City, or nearby communities—you’ll need to provide:

Blueprints or plans for the addition
Contractor estimates or bids
A detailed project description (materials, square footage, timeline)
Proof of home value and equity

This helps the bank determine how much you can borrow and ensures that the project will improve your home’s market value.

Why Choose First National Bank?

We understand that financing a home addition can feel overwhelming—that’s why at First National Bank, you won’t be left talking to robots or navigating endless automated menus. When you call or visit us in Louisburg, Stilwell, or Prairie Village, you’ll speak with a real person dedicated to:

Explaining every loan option clearly
Helping you gather all required documents
Guiding you from application to final approval
Making sure your questions are answered at every step

Customer service is our number one priority. That’s why so many homeowners from Overland Park, Leawood, and Kansas City trust us when it’s time to improve their homes.

Ready to Expand Your Home?

If you're considering a room addition and want affordable, personalized financing with unbeatable service, contact First National Bank today. Our local experts are ready to make your home renovation dreams a reality.

Visit one of our convenient locations in Louisburg, Prairie Village, or Stilwell—or give us a call and speak with an actual human who will walk you through the process from start to finish.

Your Trusted Community Bank in Miami, Johnson, and Cass County

At First National Bank, we’re proud to serve the communities of Miami, Johnson, and Cass County with personalized, hometown banking. Whether you need personal and business loans, checking and savings accounts, CDs, IRAs, safe deposit boxes, or cash management services, we have you covered. Looking for home financing options? We offer mortgages, home equity loans, construction loans, refinancing, second mortgages, and swing loans to fit your needs. Stop by one of our convenient locations in Louisburg, Stilwell, or Prairie Village—or reach out to us today to learn how we can help you reach your financial goals.