If your funds come up short, don’t fret, as there are various financing options for home improvements available. Here are some of them:</P>\n<P><STRONG>Home Equity Loan</STRONG><BR/>\nAlso called a second mortgage, a home equity loan uses the value of your home as collateral. The amount is calculated by determining your property’s equity and deducting any existing mortgage you may have. This loan is given in lump sum and paid monthly over several years. Home equity loans typically have lower interest rates, too, making it an ideal option if you’re borrowing a huge sum of money.</P>\n<P><STRONG>Personal Loan</STRONG><BR/>\nAs opposed to a home equity loan, you don’t have to use your house as collateral with this financing option. Personal loans can be used for any purpose and will only require a good to excellent credit score to obtain a lower interest rate. Plus, it is easily accessible, as many banks and credit unions offer personal loans, giving you a chance to compare rates.</P>\n<P><STRONG>Credit Card</STRONG><BR/>\nIf you want a quick and simple way to fund your improvement project, consider getting a credit card. Some cards offer low to zero interest rates for the first few months, which is beneficial as long as you pay your debt on time. Credit cards have higher interest rates, so they’re best used for relatively small home upgrades you won’t need to pay off for years.</P>\n<P><STRONG>Financing Options From Home Remodeling Contractors</STRONG><BR/>\nLooking for the best way to finance home improvements can be tricky. But, some home remodeling contractors, like Home Town Restyling, also provide various ways to finance your project. This includes the 5-year 0% interest financing option they are currently offering. Meanwhile, some of their current offerings include:</P>\n<P style="padding-left: 40px;">• 12 months: no interest if paid in full within the promo period<BR/>\n• 18 months: no interest ; no promo payments due<BR/>\n• 60 months: no interest if paid in full within the promo period<BR/>\n• 84 months: reduced annual percentage rate (APR) of 6.99% during the promo period</P>\n<P><STRONG>Discuss Your Home Improvement Financing With Home Town Restyling</STRONG><BR/>\nIf you decide to get any one of our financing options for home improvements, you can use either cash or credit cards. As always, you will need to put down a small percentage of payment when finalizing your remodeling project, but the remaining balance will be due once all installations are complete.</P>\n<P>To <A href="https://www.hometownrestyling.com/about/contact-home-town-restyling/">learn more about our services</A> and <A href="https://www.hometownrestyling.com/resource-center/home-improvement-financing/">home improvement financing</A> options, reach out to us at Home Town Restyling in Hiawatha, IA. Our team will help make your home remodeling dreams a reality!