{"id":3055,"date":"2023-06-19T12:42:16","date_gmt":"2023-06-19T16:42:16","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=3055"},"modified":"2024-04-25T23:17:36","modified_gmt":"2024-04-26T03:17:36","slug":"what-you-need-to-know-about-home-improvement-loans","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/what-you-need-to-know-about-home-improvement-loans\/","title":{"rendered":"What You Need to Know About Home Improvement Loans"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans-1024x425.jpg\" alt=\"\" class=\"wp-image-3056\" width=\"1024\" height=\"425\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans-1024x425.jpg 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans-300x125.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans-768x319.jpg 768w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans-1536x638.jpg 1536w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/what-you-need-to-know-about-home-improvement-loans.jpg 1928w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>More Than Half of Homeowners Plan to Do Home Improvements This Year\u2026<\/em><\/figcaption><\/figure>\n\n\n\n<p>Home values are up. If you\u2019re like many homeowners today, you\u2019re sitting on a substantial sum of home equity. But you might hesitate to sell your home and buy another one. Who wants to give up yesterday\u2019s cheap mortgages for loans with tomorrow\u2019s high interest rates?<\/p>\n\n\n\n<p>So, if you\u2019re \u201c<a href=\"https:\/\/www.deeds.com\/articles\/holding-low-interest-loans-many-homeowners-are-too-comfortable-to-move\/\">stuck\u201d with a great mortgage<\/a>, you could jump on the home improvement trend. The National Association of Realtors\u00ae reports that most homeowners plan to do home improvements in 2023.<\/p>\n\n\n\n<p>Good news: You do not have to put your home\u2019s value up as collateral to borrow funds for home upgrades. <strong>Home improvement loans<\/strong> are unsecured. Plus, they\u2019re relatively easy to get. Let\u2019s talk home improvement loans.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">An Option That Doesn\u2019t Record a Lien on Your Home.<\/h2>\n\n\n\n<p>Lenders do not record <a href=\"https:\/\/www.deeds.com\/articles\/know-the-facts-about-liens\/\">liens on the home\u2019s title<\/a> when issuing home improvement loans. They expect repayment in regular installments \u2014 usually monthly, over a year or several years. It depends on what you borrow.<\/p>\n\n\n\n<p>Will your project cost more than $10K? That might exceed your credit card\u2019s limits. Plus, credit cards have high interest rates if you carry a balance.<\/p>\n\n\n\n<p>Qualifying for a home improvement loan won\u2019t take long. And with some online companies, you can have your funds and be ready to start your project on the next business day after your approval.<\/p>\n\n\n\n<p>Once approved, home improvement loans are predictable. Pay on time to avoid extra fees, and the monthly repayment is always the same.<\/p>\n\n\n\n<p>Perhaps the best news of all is that even with imperfect credit it\u2019s possible to take out a personal loan \u2014 especially when the lender knows it\u2019ll increase the value of the home you own.<\/p>\n\n\n\n<p>Some companies won\u2019t do a hard pull on your credit history if you\u2019re looking to compare loan offers \u2014 including amounts, terms, and interest rates. Upstart is a good example, and its article <a href=\"https:\/\/www.upstart.com\/learn\/what-to-know-about-home-improvement-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get a Home Improvement Loan for Your Next Project<\/a> explains the difference between soft pulls and hard pulls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Flexible Choice for Big or Small Projects.<\/h2>\n\n\n\n<p>A home improvement loan is basically a personal loan. It can be used for anything the borrower wants to do. If the funds are used for home-related projects, examples could be: &nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>New flooring.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A bathroom remodel or accessibility conversion.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Garages, sheds, finishing basements.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Energy-efficiency upgrades like roof or window replacements or insulation.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rain gardens.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building a tiny home or <a href=\"https:\/\/www.deeds.com\/articles\/the-rise-of-accessory-dwelling-units-adus\/\">accessory dwelling unit<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Any leftover money from one project can be put into another. On the other hand, to increase your likelihood of getting your financing approved, you might want to borrow for a major project in smaller chunks.<\/p>\n\n\n\n<p>In any case, we hope the overall results make your home more valuable, efficient, or enjoyable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preparation Counts.<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"555\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/preparation-counts.jpg\" alt=\"\" class=\"wp-image-3057\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/preparation-counts.jpg 370w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2023\/06\/preparation-counts-200x300.jpg 200w\" sizes=\"auto, (max-width: 370px) 100vw, 370px\" \/><\/figure>\n\n\n\n<p>Assess your finances. Consider your income and outstanding debts. Know your credit profile. Think like a lender, and be ready with the documents. To know how much to request, have several contractors come out to look at your home and offer detailed estimates for the jobs.<\/p>\n\n\n\n<p>&nbsp;<em>\u261b<\/em><strong><em> If necessary, <\/em><\/strong><a href=\"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/\"><em>strengthen your credit profile. We have tips<\/em><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<p>If you have urgent repair needs but your credit profile is so-so, think about the government loans designed with your situation in mind. The FHA enables homeowners to refinance mortgage loans in order to add funds for home upgrades. Plus, an FHA loan approval can be easier to get with a less-than-stellar credit score.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/203k\/203k--df\" target=\"_blank\" rel=\"noreferrer noopener\">FHA rehab loans<\/a> are good not just for major repairs or landscaping work, but also for projects like upgrading a home with energy-efficient systems or accessibility features. The streamlined <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/203k\" target=\"_blank\" rel=\"noreferrer noopener\">203(k) Rehabilitation Mortgage<\/a> funds improvements up to $35K. No HUD consultant needed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conventional rehab loans<\/strong> are also available, backed by Fannie Mae and Freddie Mac. Some lenders, like <a href=\"https:\/\/www.umpquabank.com\/personal-banking\/loans-and-lines\/home-lending\/construction-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Umpqua Bank<\/a>, know all the ropes and can even find the contractors for you, oversee the inspections, and channel the funds through an escrow account as needed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you only need $7,500 or less, you can apply for an unsecured, fixed-rate <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/title\/ti_abou\" target=\"_blank\" rel=\"noreferrer noopener\">Title 1&nbsp;Loan<\/a>. These property improvement loans, says HUD, may be used to \u201csubstantially protect or improve the basic livability or utility of the property.\u201d They can even be mixed and matched with 203(k) rehab loans!<\/li>\n<\/ul>\n\n\n\n<p>How do you find these loans? Speak with someone in a local bank or a credit union, or a mortgage consultant. Most are qualified to work with rehab loans. Shop around for interest rates. When you find the right lender, you may be able to negotiate your rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You Do Have Other Options.<\/h2>\n\n\n\n<p><strong>Credit cards<\/strong> are always a possibility. They\u2019re easy to get, and sometimes the introductory offers can go a long way to help fund your projects.<\/p>\n\n\n\n<p>On the other hand, they need to be treated with special caution, due to their relatively high rates on any balance you don\u2019t pay off completely, month by month. Overextending your borrowing capacity can take a toll on your credit profile and create stress.<\/p>\n\n\n\n<p>Looking for other options? The FHA\u2019s <strong>cash-out refinance loan<\/strong> is a way to borrow against your home equity by refinancing into a&nbsp;new loan big enough to give you a lump-sum payment as well as paying off your current mortgage. Cash-out refinancing funds can be applied to any set of goals \u2014 not just home improvements.<\/p>\n\n\n\n<p>And don\u2019t forget to consider and compare the <strong>home equity loan (HEL)<\/strong>. The lump sum you would get from a HEL can make good sense for your home improvement projects. And the rates are relatively low. But, of course, that\u2019s because you\u2019d be staking your home as collateral, so the lender\u2019s risk is that much lower. Nevertheless, home equity lenders have a rigorous application process, and they charge costs and fees for closing. Finally, a HEL is normally best for a homeowner who\u2019s lived in a home long enough to really build up a hefty sum of home equity.<\/p>\n\n\n\n<p>&nbsp;<em>\u261b<\/em><strong><em> Read all about <\/em><\/strong><a href=\"https:\/\/www.deeds.com\/articles\/need-to-pull-money-out-of-your-home-which-will-work-home-equity-loan-or-heloc\/\"><em>how home equity loans and credit lines impact your home\u2019s title<\/em><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In a Nutshell\u2026<\/h2>\n\n\n\n<p>A home improvement loan is basically a personal loan. It\u2019s flexible. You can use it to meet any goals you might have.<\/p>\n\n\n\n<p>Unlike a mortgage, HELOC, or home equity loan, it doesn\u2019t involve a lien on your home title. The interest rates on a home improvement loan are lower than the typical credit card rates. And getting approved for a home improvement loan is a quick and simple process. Good back-up options are government-backed loans. &nbsp;<\/p>\n\n\n\n<p>Which is best for you? We\u2019re not financial advisers, so you\u2019ll want to do some follow-up research and apply it to your own circumstances. This article gives you the general idea. We hope it helps you ask better questions.<\/p>\n\n\n\n<p>Best wishes on your upgrades!<\/p>\n\n\n\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">U.S. Department of Housing and Urban Development: <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/title\/ti_abou\" target=\"_blank\" rel=\"noreferrer noopener\">About Title I Property Improvement Loans<\/a>.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Upstart Network, Inc.: <a href=\"https:\/\/www.upstart.com\/learn\/what-to-know-about-home-improvement-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get a Home Improvement Loan for Your Next Project<\/a> (updated Dec. 8, 2022).<\/p>\n\n\n\n<p class=\"has-small-font-size\">Melissa Dittmann Tracey for The National Association of Realtors\u00ae via <em>REALTOR\u00ae Magazine<\/em>: <a href=\"https:\/\/www.nar.realtor\/magazine\/real-estate-news\/is-the-remodeling-boom-over-or-just-on-pause\" target=\"_blank\" rel=\"noreferrer noopener\">Is the Remodeling Boom Over or Just on Pause<\/a>? (May 25, 2023; citing a 2023 Houzz survey of homeowners).<\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>Deeds.com<\/em>: Buying a Fixer-Upper: What Are the Best Financing Options? (Mar. 31, 2021).<\/p>\n\n\n\n<p class=\"has-small-font-size\">And as linked.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/gray-standard-color-book-near-green-eraser-159045\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pixabay<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/green-lid-with-metal-scraper-3616755\/\" target=\"_blank\" rel=\"noreferrer noopener\">La Miko<\/a>, via Pexels.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home values are up. If you\u2019re like many homeowners today, you\u2019re sitting on a substantial sum of home equity. But you might hesitate to sell your home and buy another one. Who wants to give up yesterday\u2019s cheap mortgages for loans with tomorrow\u2019s high interest rates? So, if you\u2019re \u201cstuck\u201d with a great mortgage, you [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-3055","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What You Need to Know About Home Improvement Loans - Deeds.com<\/title>\n<meta name=\"description\" content=\"Good news: You do not have to put your home\u2019s value up as collateral to borrow funds for home upgrades. Home improvement loans are unsecured. Plus, they\u2019re relatively easy to get. 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