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Building A Garage Addition To Your Home
One of the most rewarding home improvements I made to my house was to build a garage addition. For years I contemplated building a garage addition while I scraped the ice and snow from my cars and waited for them to warm up during the winter months....
Home Improvement Loans
Once you own a home, you'll get the urge to make home
improvements. Often, you'll need a home improvement loan.
Home Improvement Loans
Whether you've lived in a home for years or just purchased it,
you'll get the urge to make...
How Much Is My Home Worth?
Home is where the heart is. Home is where you nest, raise kids, love, fight, nourish and walk through life's major transitions, with the people who are part of you. For the vast majority of human beings, their home is also their most precious asset....
Lights, Camera, Action . . . Design?!?
(ARA) - "Reality" shows have saturated television programming, especially in the area of home and garden design. You can "trade spaces" with a neighbor, enlist a professional to recreate a high-end designer room on a budget or secretly call in a...
Radon Gas in Homes and Lung Cancer
Unsuspecting homeowners may not realize the full risks associated with Radon gas in their homes. Increasing evidence suggests that Radon gas is the most underestimated cause of Lung Cancer. Radon gas can occur anywhere, however some areas of the...
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How to Get a New Kitchen
Do you want to improve the look of your home? Have you thought of adding value to your home with a brand new kitchen?
The thought of home improvements, like a new kitchen, can be lingering thoughts. Projects like these can be expensive endeavors when most of us do not have the additional funds sitting in a bank account screaming for you to spend.
Maybe it’s time you consider a Home Improvement Loan. You may have heard different terms like Home Equity Line of Credit (HELOC) or Line of Credit. A HELOC could be the easiest and cheapest way to make improvements to your home and have your dreams become a reality.
A HELOC offers a low interest rate, usually tied to the prime rate and a low monthly payment, secured by your home. As the home owner, it frees you up to do whatever improvements you want on your home or property.
With a HELOC, you can have up to 100% of your home’s value available to you for improvements, rehabbing and life’s unplanned emergencies. You only pay for what you spend leaving funds available for other projects and/or emergencies. The loans are typically repaid over a 10 year amortization schedule.
A mortgage lender can better provide details and current rate information. Your available
income, credit score and equity in your home will play a part in determining your rate and ability to qualify for different program options. Your lender will also be able to explain to you any tax savings and other advantages the loan may have for you.
A HELOC can help you with: getting that new kitchen, remodeling a bathroom, building a home addition, buying new furniture, landscaping in the Spring, and so on. What you spend your money on is entirely up to you.
Remember, financing shouldn’t be the most difficult part of getting that new kitchen you’re dreaming of! With a simple Home Improvement Loan, you’ll be on your way to harder decisions- like picking out the new cabinets and light fixtures!
About The Author
Kimberly Shallenberger-Cameron currently manages the STLagent Team of Real Estate Consultants in St Louis, MO. Her website is http://www.stlagent.com, where she publishes the St Louis Real Estate Blog.
Kimberly also moderates the St Louis Community Forum Message Board at: http://www.stlagent.com/forum
© STLagent.com 2005
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