Home Improvements Turn Average Homes into Dreams Come True

If you're thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.

? How long have you been in the home?

? Will the improvements increase the property value?

? Are you making improvements to increase energy efficiency?

? Will improvements be made in one fell swoop, or in stages?

? What is the current outstanding balance on your mortgage?

? What is the appraised value of the home?

? How much will the improvements cost?

? What improvements will be tax deductible?

? Do you have other revolving debt that you would like to pay off at the same time?

? Are you making improvements because you plan to sell the property?

The New Tract Home Blues

Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize they'd like to make additional improvements to really have the home of their dreams.

If you're planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.

Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.

The Major Overhaul

If you have built up equity in your home and are geared up for some major renovation, the Home Equity Line of Credit (HELOC) is probably your best bet. This adjustable loan allows you to use your equity as a line of credit, so if you have improvements that are phased in over time you can simply write a check when you need to pay a bill.

It's like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all ? even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.

A construction loan is an alternative to the HELOC for borrowers who don't want to use or don't have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.

Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.

Another option ? depending on the value of your home and local loan amount limitations ? is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!

Just a Facelift, Please!

If you want to sell your home and you simply want to improve the curb appeal, it makes sense to go with a HELOC. Make sure you are aware of the current market value of homes in your area to make sure you're not going over the limit on the fair market value of your home. You'll want to get a return on your investment!

If you've had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.

Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure you're getting the best deal possible.

Mical Johnson is affiliated with Rock Financial, Inc., a Licensed Correspondent Mortgage Lender, Florida Department of Finance. For free consultation and more information about mortgage loan programs, visit Mr. Johnson website at http://www.TampaMortgageGuy.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122351316270117559.html%3Fmod%3Dgooglenews_wsjcid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNEzAQlD3D_rYvDy5Fw1iHSb9YiA7gimg src=http://news.google.com/news?imgefp=50jUWnAPCS4Jimgurl=s.wsj.net/public/resources/images/NA-AT054_McHous_D_20081008190940.jpg width=80 height=53 alt= border=1brfont size=-2Wall Street Journal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/news/politics/politicalintelligence/2008/10/mccain_sells_mo.htmlcid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNH_2sbSPMYIV22qhEntC8bdAUBUVgMcCain sells bmortgage/b plan/abrfont size=-1font color=#6f6f6fBoston Globe,nbsp;United Statesnbsp;-/font nobrOct 11, 2008/nobr/fontbrfont size=-1Under his plan, the government would spend about $300 billion to buy distressed mortgages from financial institutions at their face values, then brefinance/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DBAdIBCGcEo8cid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNEfrbQloxANTIVur2M_dLO7qWVn0gVideo: Obama: #39;Taxpayers Shouldn#39;t Pick Up Tab#39;/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/BAdIBCGcEo8/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/BAdIBCGcEo8type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081009/OPINION01/810090327cid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNGVdsiNR9xZKBpT_AyB7uy_qqme-QbMortgage/b rescue plan would be costly, and may fall short/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/09/us/politics/09mortgage.html%3Fref%3Dbusinesscid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNHx7scZ_Em9LmkLggH6aPlKqEb5MATaxpayers, Not Lenders, Would Bear Costs of McCain’s bMortgage/b Proposal/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www2.journalnow.com/content/2008/oct/11/principal-is-key-to-housing-solution/cid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNGDs-UGnrJGFV9A8ppngQvS8NKDIgnobrWinston-Salem Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/08/mccains-300-billion-mortgage-plan-better-than-the-700-billion-rescue/%3Fmod%3Dgooglenews_wsjcid=1255319735ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNEB9-fFfg2EW5WOcjjklmvUrRabFQnobrWall Street Journal Blogs/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255319735hl=ennobrall 1,712 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.abcnews.com/politicalradar/2008/10/reps-blunt-and.htmlcid=1257022189ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNHOuIWtF5yrTe9KNShhwmlYXxdWGAReps Blunt And Frank Criticize McCain bMortgage/b Plan/abrfont size=-1font color=#6f6f6fABC Newsnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1John McCain#39;s proposal to brefinance/b distressed mortgages. quot;Not at face value, we#39;re not going to buy up the mortgages at face value, because the people who b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cqpolitics.com/wmspage.cfm%3Fparm1%3D5%26docID%3Dnews-000002974193cid=1257022189ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNHcb4HY3ZyKBGXaSckEIydmytJuBwCQ Transcript: James Baker, Lawrence Summer, Rep. Barney Frank b.../b/a font size=-1 color=#6f6f6fnobrCQPolitics.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257022189hl=ennobrall 3 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.canada.com/vancouversun/news/business/story.html%3Fid%3Dc897745a-3751-4567-a445-934b5d47f1d4cid=1255528717ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNE7wiBDxHL8E0qwgL8f_0D9MWgmzAimg src=http://news.google.com/news?imgefp=TP9Uz8ldVnsJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/45f711ce-15a3-4c83-a99b-8f22ad9399d7/flaherty-jim1008.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Vancouver Sun/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.vanguardngr.com/content/view/19040/116/cid=1255528717ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNEZbWs_N4p-mKYanp8wRAyKhEc0BAGlobal Financial Meltdown: Nigeria Panics/abrfont size=-1font color=#6f6f6fVanguard,nbsp;Nigerianbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1Some homeowners used the increased property value experienced in the housing bubble to brefinance/b their homes with lower interest rates and take out second b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tuftsobserver.org/news/20081006/billions_bail_outs_banks.htmlcid=1255528717ei=rynzSPaVDo3W6gOH-qV3usg=AFQjCNE-a1yj1vX6vNEV5visKTLz6Nd8TgBillions... Bail Outs... Banks.../a font size=-1 color=#6f6f6fnobrTufts Observer Online/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255528717hl=ennobrall 871 news articles/nobr/a/font/div/font/td/tr/table
mortgage refinance - Google News

Internet & Mortgage Calculations

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