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Avoid the "How Much?" Hassle When Buying Firewood
How much firewood should I buy, and when should I buy it? These are questions that may lead busy homeowners to postpone ordering their firewood. Here are some answers from fireplace experts.
How much: There’s no surefire way to figure out how...
Beware of Toxic Mulch
You are welcome to use this article on your website or in your newsletter as long as you reprint it as is, including the contact information at the end. Website URLs must be active
links. You are welcome to use this article with an affiliate link, ...
Fine Gardening Secrets Revealed
I hope you don't think I'm a bad person for admitting this to you. I was feeling a little bit jealous of my sister. Let me explain... Every year, I visit my sister Joan in Houston -- and every year, her garden just keeps getting even more...
Seeing the Light
Lighting
"Light has illuminated the path of humanity" – While Einstein was probably referring to one of his mind-blowing theories, lighting has also revolutionized the home. Before incandescent and fluorescent lighting, most activities...
What Are Light Fixtures Used For?
Light fixtures are something not many of us think about. But, the way we light a room can cause us to feel a certain way or enhance what we want to accomplish in that room. There are many types of light fixtures for all areas of the home and even...
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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 improvements. It's a natural urge to
want to redo bathrooms and kitchens or perhaps have a go at the
landscape. Room additions are also popular, particularly if
you're planning for an addition to the family. Room additions
become extremely popular when you aren't planning for a family
addition, but have one coming anyway!
If you're going to make improvements, you are often going to
need funds to make them. This is where home improvement loans
come in. Such loans typically come in two forms, a home equity
line of credit and a home improvement loan 2nd deed of trust.
Home equity lines of credits, known as HELOCs, are excellent
options if you equity built up in the loan. Essentially, a
lender will grant you a credit line equal to a percentage of the
equity secured by a 2nd trust deed on the property. As you make
improvements, you simply write checks off the
line to cover the
costs. Importantly, check with your tax professional to see if
part or all of the repayment of the HELOC is tax deductible.
Usually, you'll get a significant write-off.
If you've just moved into the home and don't have much equity,
you will want to look at a home improvement loan. As with the
HELOC, a lender will issue you a loan in exchange for a 2nd
trust deed on the property. The difference, however, is a lender
will issue you a loan in excess of the home value, often to as
much as 125 percent of the current appraised value. This gives
you the cash necessary to make improvements even though you
don't have much equity in the home.
Improving your home is a natural evolution of the ownership
experience. Home improvement loans and home equity lines of
credit give you the ability to realize your dreams.
About the author:
Dan Lewis is with http://www.gwhomeloans.com - a San Diego
mortgage brokers providing San Diego home loans. Visit
http://www.gwhomeloans.com/services.html to learn more about
options on San Diego mortgages from a San Diego mortgage broker
company.
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