These FHA-insured loans allow you to simultaneously refinance the first mortgage and combine it with the improvement costs into a new mortgage. They also base the loan on the value of a home after improvements, rather than before. Because your house is worth more, your equity and the amount you can borrow are both greater. And you can hire a contractor or do the work yourself. The downside is that loan limits vary by county and tend to be relatively low. The usual term is 30 years.

The best time to apply for a home improvement loan is when you have a large renovation project you want to tackle. That could be adding another bathroom to your home, roofing your house or installing a pool, or any other major home-related project. This type of loan is a good option if you don’t have a lot of equity in your home to draw from but need or want to make home improvements.
SoFi is known for student loan refinancing, but the online lender also offers personal loans for house remodeling. You can borrow as little as $5,000 or as much as $100,000 and repay it over two to seven years. SoFi loans also come without origination fees and prepayment penalties. They even have an unemployment protection program that can temporarily pause your payments if you lose your job.
HELOCs come with a draw period and repayment period. During the draw period, which often lasts about 10 years, you can spend the money in your credit line. Your monthly payments would cover mostly the interest and a little bit of the principal on any outstanding balance. During the repayment period, which typically lasts around 15 years, your monthly payments would probably be higher because they’d include more principal.
3 LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.
These FHA-insured loans allow you to simultaneously refinance the first mortgage and combine it with the improvement costs into a new mortgage. They also base the loan on the value of a home after improvements, rather than before. Because your house is worth more, your equity and the amount you can borrow are both greater. And you can hire a contractor or do the work yourself. The downside is that loan limits vary by county and tend to be relatively low. The usual term is 30 years.

To qualify for a home remodeling loan, you will need a good credit score and enough monthly income to comfortably pay for all of your debts, including the monthly loan payment. While qualifying for remodeling loans isn’t as difficult as qualifying for a mortgage, “lenders will be very diligent about verifying debt ratios,” McBride said. So, be prepared to supply a lot of paperwork to prove your financial standing.

It's been a few years since I painted anything in anger, but back when I did, there was a trick I'd use when protecting carpet. Round the edge of the carpet, right up against the baseboard, I'd run a 1 1/2 or 2 painter's tape, and let the tape stick slightly to the board. Then I'd go round with the broadest taping knife I had, and tuck the tape down hard. That left the carpet edge protected and rounded over and the tape was now creating a line along the baseboard *below* the level of the carpet. Then I'd sheet up as usual.That made it super easy to paint the baseboard, the bottom edge didn't need cutting in! Just work the pain in there! If the bottom edge was a little messy and uneven, who cared? Once the paint was thoroughly dry, the tape was lifted (carefully, to not pull the carpet off the gripper) and the carpet would bounce up and hide the bottom edge of the paint. A perfect look, quicker and safer than trying to cut in along a fuzzy carpet edge.
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