Small Home Improvements – Spend a Little, Make a Big Difference

Home improvements can be a way to both increase the value of your home and to simply make living there more comfortable and enjoyable. But do you have to do a major remodeling job to accomplish that? Well the answer is no.

In fact if you’re considering a major improvement like a room addition or a complete remodel of a kitchen or bathroom, you may want to stop a moment and figure out how that’s going to impact on the value of your home. If you’re planning on staying in the house then it really doesn’t matter but if you plan on moving at some point, then you don’t want to overbuild. If you addition makes your home the most expensive on the block, you’ll have a more difficult time selling it than if you had made smaller changes.

An example of a small change that also has a great return on the investment is a steel entry door. If you haven’t looked at these recently you’re going to be surprised because they don’t look anything like steel. They come in a variety of attractive styles and mostly resemble rich hardwoods.

Thanks to the steel door’s appearance, security, and durability it has a return on investment of nearly 130% according to Remodeling Magazine. That’s pretty amazing when you consider that most home improvement projects will only return 8% of the original cost.

Following the steel door as the top small home improvement projects were adding an attic bedroom, adding a deck, minor kitchen projects like new counters or new flooring, and replacing siding. With the exception of the siding and the electrical and plumbing parts of the attic bedroom, these projects are pretty much do it yourself capable.

Here’s a couple of more ideas that can change the look and feel of the house without costing a fortune. Lighting can make all the difference in a room. If you have standard overhead fixtures, consider swapping out for track lighting. You’d be surprised the difference it can make in a kitchen. Also splurge on high end fixtures. Get really nice towel hangers for the bathroom and update the faucets.

If you’re planning on selling right away, invest in some landscaping. Curb appeal sets the tone for the whole sales experience. Nicely trimmed shrubs and a well cared for lawn goes a long way in setting a favorable first impression. Make sure the front yard and porch are clear of litter and anything that can detract from the house.

So think small home improvements for both adding value and making your home a more enjoyable place to live.

Posted in Uncategorized | Comments Off on Small Home Improvements – Spend a Little, Make a Big Difference

What Are Small Home Improvement Loans?

Small home improvement loans are loans that you are able to get when you have to repair or improve your home. When searching for the best loan for you, you should be able to compare many lenders to see what types of offers they have. Small home improvement loans are often available locally and you can find local lenders in your phone books yellow pages.

Although there may be a limited amount of lenders available locally, you may be able to find many more lenders online. Most of the time you can compare both local and online lenders offers by getting quotes from each place you have looked at. When you apply for small home improvement loans you may want to keep in mind that you are going to be asked to supply some type of collateral.

Equity

In most cases you will need to use your homes equity as the form of collateral. It is often best that you compare the amount that you want to borrow to the actual amount of equity you have. You may want to borrow only the amount needed. In the end this could save you quite a bit of money. Small home improvement loans are available on a wider scale now then they have ever been. With the option of the Internet you are able to find a lender and apply for a loan without ever needing to step a foot outside of your home. This has become one of the leading ways of borrowing, because it is just so very convenient. The best deal on small home improvement loans may take a while to find at first, but when you search as much as you can you will typically find a deal that will save you a lot of money in the long run.

The Convenience Of Online Borrowing

Small home improvement loans are available on such a wide scale that you are able to find many available online that may meet all of your needs. Online lenders offer you a convenient service. They often will be able to review your loan application and approve you on the same day that you apply. They may also offer you the ability to receive the money quickly via a bank account. They can transfer the funds of the loan into your account directly from their bank.

As with any business you conduct online you may want to use caution when you are supplying a lender with information. In most cases you are asked to supply them with your social security number and other information that is of a sensitive nature. You will want to make sure that the site you are using is secured and that your information is safe.

In most cases you will see a small paddle lock symbol on the bottom of the page; this indicates that the site you are using is indeed secure. Your information will often not be shared if you request that the lender does not disclose it outside of their company. Small home improvement loans may come very convenient when you find them online. Lenders will often work with you on the terms and conditions of the loan because they want to keep your business.

Posted in Uncategorized | Comments Off on What Are Small Home Improvement Loans?

What Is A Small Home Improvement Loan?

A small home improvement loan is a loan that you get when you are thinking of making an improvement on your home. These loans are often based on the equity of your home; this is the form of collateral that is used in most cases.

Home improvement loans are based on the amount of money you want to borrow compared to the amount of equity you have already on your home. Before just applying for a loan to improve your home, you may want to explore all options available to you. You may want to get information from several lenders about what their terms are before you use only one lender’s offers.

When looking for a lender you can locate one in your area by using your local yellow pages. If you are unable to find a lender in your area you should also be able to find many lenders online that will offer you a small home improvement loan.

Quotes

In most cases you may find the best deal, for a small home improvement loan, online. If you want to know more information about a lender’s offers you can often times ask them to provide you with quotes. This may be the best way of comparing lenders, comparing the quote that each lender gives you. In the quote you will most often be able to see how much money you are able to borrow, how long the loan will be for, and what your interest rates will be. When looking for a small home improvement loan you may want to keep in mind that there are many different lenders available and they do not all offer the exact same loan terms. When you are looking online you may want to have each lender e-mail all the information they can about the loans that they are offering. This will give you a good idea of what to expect when you are finally ready to apply.

Finding A Loan Online

When searching for a small home improvement loan online you should remember that you are providing your personal information to a lender. In most cases you have no need to worry, but you should still proceed with caution. You will want to make sure that you are using a secure site and that your information is not going to be used by a third party.

In most cases a paddle lock symbol will appear on the bottom of the page and this is a way of knowing that the site you are using is indeed secure. When it comes to a third party getting your information you may want to let the online lender know that you do not wish for your information to be used by anyone, except them. This is probably your best bet when you are unsure whether they will automatically offer your information to anyone outside of their company.

A small home improvement loan is one of the best ways to get the funds to improve on your home. Online lenders also tend to be a little more competitive then local lenders. They will often times offer you a lower interest rate because they want to keep your business. If you find a lender that has offered you a better interest rate it is always possible to tell another lender about it, and see if they will change their rate to match it. Online lenders are also able to offer you lower rates because they do not have the cost that a local lender would, they normally do not have to worry about any high business costs

Posted in Uncategorized | Comments Off on What Is A Small Home Improvement Loan?

3 Big Reasons Why Small Home Improvements Make Good Sense

Do you think big when it comes to improving your home? You’d be forgiven for thinking along these lines, and yet there is a lot to commend the idea of thinking on a smaller scale.

If you need convincing, perhaps these three reasons will help. As you are about to find out, small improvements can be just as good – if not better – than big ones.

1. They’re much cheaper and thus more affordable
Small home improvements are indeed cheaper. Instead of building a new extension, why not redecorate a room and repurpose it instead? A spare bedroom could be repurposed into an office by replacing the bed with a sofa bed and adding a computer desk instead. You’ll have to spend money on the furniture of course, but it is cheaper and more practical than finding the money for a new conservatory or extension.

2. Small changes can still make a big visual improvement
People tend to forget this aspect. Certainly, a new extension would have the wow factor, but it would also be expensive and difficult to afford for many people. If you want to improve your home you can easily redecorate a room or change one aspect of it – such as the colour of the walls. Try changing the scatter cushions on a sofa or adding some mood lighting; you might be surprised at how different the outcome is.

3. Small improvements can help to reduce the chances of needing bigger improvements later on
In this sense we’re talking about the likes of preventative improvements. For example, if you have wood framed windows they will gradually rot away unless you take regular steps to protect and preserve the wood. If you have painted frames you will need to check their condition and maintain them every year or two. If you do this, they’re only likely to need a quick sand down and a fresh coat of paint. You can also check the condition of the putty holding in the glass and replace any sections that require it. Compare this treatment to the situation you’d find yourself in if the frames rotted and you can see how the cheap and easy upkeep is better than not doing anything and paying for new windows as a result.

As you can see, it isn’t always necessary to spend a significant sum of money to get the result you want. Before you go for the big home changes, think about the small changes you could make quite easily (in a weekend, perhaps) that would improve the look and feel of your home. You may be surprised how many possibilities you come up with.

Posted in Uncategorized | Comments Off on 3 Big Reasons Why Small Home Improvements Make Good Sense