• Our Business is Your Satisfaction, Outside and In, Beginning to End!    |     (888) 363-3305


Estimate, Fund, and Enjoy!

Investing in home repair and improvements can boost your home’s value. To make the process a little easier, we are proud to offer financing options through Spruce Finance, Inc.  Contact us today for a free estimate, and to learn more about financing.

Spruce Finance, Inc.

  • Fast, flexible and easy financing.
  • Loan amounts up to $30,000
  • Below market unsecured interest rates
  • Flexible loan terms = affordable payments
  • No application fees, no closing costs, no prepayment penalties
  • No mortgage or appraisal required
  • Broad Credit Spectrum (FICO scores to 600)

General Terms & Requirements

  • Minimum term 36 months
  • Maximum term 144 months (restrictions apply)
  • At least one applicant must own the home
  • One or two unit, owner-occupied, primary or secondary residence; rentals not permitted.

Eligible Improvements

  • Repair/replacement of heating, A/C and ventilation systems, water heaters, or major energy-consuming appliances.
  • Fireplace modifications and wood heating appliances
  • Roofing, siding, and texture coating
  • Plumbing, low water usage toilet and fixtures
  • Carpet, flooring, and tile
  • Windows, storm windows, doors, and storm doors
  • Insulation, weather stripping, and caulking

Need a project completed?

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About MN Home Improvements

Minnesota Home Improvements is the leading home renovation company for Central Minnesota. Whether you are a homeowner, property owner or property manager, we have the experience and expertise to perform quality work at an affordable price. From Roofing, Siding, Decks / Porches, Windows, Insulation, Remodeling, Storm Damage Repair or beyond, choose the right leader for your Home Improvement Journey!

We have over 40 years of experience and three locations in Minnesota (near St. Cloud, Willmar and Brainerd) to serve you. We are a fully-insured and certified preferred contractor. We are involved in the communities we serve and are professionally accredited by several leading manufacturers.


Building a Better Minnesota

8850 Ridgewood Ct, St Joseph, MN 56374
(320) 363-4435 | (888) 363-3305


17677 State Hwy 371, Brainerd, MN 56401
(218) 822-4435


59577 US Hwy. 12, Litchfield, MN 55355
(320) 593-0432

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