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Home Improvement Loans                                                                                                                                           

Home Improvement Loans are my specialty. Homeowners need a better way to finance home improvement on their home. In the past, home owners wishing to finance a home improvement had few alternatives. These were 1) Pay for the home improvement in cash. 2) Do a cash-out refinance based on the current value. 3) Take out an equity line based on the current value. This places the burden of funding the home improvement on the homeowner who will not be reimbursed for the home improvement until the loan closes. Home improvement loans solve this problem. Email home improvement loans questions

I am a home improvement loans mortgage broker and represent 22 of the largest home improvement lenders in the market. As a broker, I work for my client and not the home improvement lender, taking the time to understand your situation and placing your home improvement loans with the lender whose programs matches your needs. I am able to give you unbiased advice and support throughout the process. Home improvement loans are a specialized part of mortgage banking and most brokers do not have the experience to guide you through this complex process. I have given you basic information here but please call to discuss your individual project. Construction lenders offer two types of product characterized by how they base interest rates during the construction phase. I describe these as One Step and Two Step

The home improvement loans are a variation of the "One Time Close" home improvement loans construction/perm product. The advantage of a home improvement loan is that we lend against the finished or "as completed" value of the property

Home improvement loans have two uses:

If you are purchasing a property that would be perfect if....... The first disbursement of your home improvement loans acquires the property and subsequent disbursements occur at predetermined points in the construction process. After construction, the loan modifies into the permanent loan saving the cost of a second closing.

If you are remodeling your home because it would be perfect if.... The first disbursement of your home improvement loans refinance any liens against the property and advances the contractor any up front costs. Subsequent disbursements and modification follow the above process.

There are several programs designed for remodeling:

Under the above programs, you may act as your own General Contractor if the costs are less than $50,000 and the "footprint" is not changed. If your project is large or will change the foundation we will require a fixed price contract with a licensed contractor. I have a section on contractor requirements and contracts.

We also offer a Home Improvement Second Trust

For the documentation needed for your Home Improvement Loans , a section on Frequently Asked Home Improvement Loans Questions, a section on home improvement loans draw schedules, and information on home improvement loans fees  

NEW! A newsletter giving a detailed description of home improvement loans by email.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.


Home Improvement Loans Prequalify for your Home Improvement Loans.


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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.                                                                                                                       VA Mortgage