Monthly Archives: April 2019

Hiring the Perfect Home Improvement

Finding the right home improvement company for your next home improvement project can be an easy task if you plan it right. When you have a room that needs a fresh new look you are likely to head to the yellow pages to get some bids for your project. This article will look at some basic steps you should do before you make that call to your local home improvement company.

Ask and You Shall Receive

Before you call any home improvement company you need to do some research. It is likely that you know little or nothing about the home improvement company in the hone book. You should ask around at the local home improvement stores for names of contractors and home improvement companies they have dealt with in the past. Ask your friends and neighbors for names of people they have used in the past.

Know the Plan before You Ask For Bids

You would be wise to develop a firm idea of the home improvements that you will need including the type and cost of materials for the job you need completed. If you lack ideas then you may ask the home improvement company to offer some suggestions with examples of their work.

Once you know the type of project you will have done it is time to get some bids from the various home improvement company contractors. The key is to make sure they are all bidding on equal terms. Make sure that the measurements and materials are the same for each bid. Many home improvement company bids will have figured in less time or less space to complete the job. Once you award the job to them they may come back and ask for more money to complete the work.

Home Improvement Projects to Avoid

Many homeowners each year make the mistake of thinking that any home improvement project is a good one in terms of adding value to their home. Unfortunately, this is simply not true. There are some home improvement projects you can take on which will not improve the value of your home in terms of the money you spend on the project and there are even other home improvement projects which can detract from the value of your home. If you think you may sell your home at some point in the future, it is imperative to make sure you know which home improvement projects to tackle and which ones to avoid.

The first thing to keep in mind when considering any home improvement project is that you do not want to outdo the neighbors. While the old adage of keeping up with the Joneses is certainly true to a degree, you do not want to exceed them. A home that is largely out of the price range of its neighbors is usually going to be more difficult to sell than a home that is in keeping with the rest of the neighborhood.

Two of the biggest mistakes you can make on home improvement projects is spending money on highly individualized projects and technological advancements. Avoid spending money on items such as saunas and steam baths. Such improvements might add to the value of your property but if the buyers viewing your home are not interested in these items you may find it more difficult to sell the property.

The same is also true for swimming pools. Many homeowners make the grave mistake of believing that a pool with add to the value and desirability of their home. This is definitely not true. Many buyers, especially those with small children, avoid homes with pools. Even if a buyer does not have small children they may be concerned about the maintenance issues that go along with having a swimming pool. The simple fact is that homes with pools generally tend to take longer to sell than homes that do not have a pool. If you are considering adding a pool to your home make sure you are doing it for the right reasons, because you will enjoy it, and not because you want to improve the value of your home. Otherwise, the addition of a pool should be avoided.

In addition, it is imperative to avoid spending a lot of money on technological advancements which will usually quickly become outdated. This is a waste of money that will usually not net you a large return.

Ideally, it is usually the simplest things which will bring you the highest rate of return in terms of home improvement projects. Simple projects such as ensuring your home has a fresh coat of paint or improving your landscaping can add a lot of value to your home and make it more desirable. Never underestimate the power of curb appeal; particularly in homes that are considered to be luxury properties.

This has become increasingly popular today when more buyers are beginning their property search on the Internet. Statistics indicate that some 80% of buyers actually begin looking for properties online. A photograph is truly worth more than a thousand words in these circumstances. If your home lacks curb appeal this could mean that it will the house that languishes on the market for months while other homes with more curb appeal sell much faster.

There are certainly some areas in which it makes more financial sense to focus your money if you are considering selling your home. Staging is one of them. Studies indicate that homes which have been professionally staged are selling faster and for more money than homes that have not been professionally staged. Luxury homes may even be able to sell for up to 20% more with staging than homes that are not staged.

You should also keep in mind the features that are most popular in homes right now. Kitchens and master bedrooms continue to rank high in importance with most buyers. Buyers are looking for master bedrooms which can serve as sanctuaries and have features such as vaulted ceilings and fireplaces.

Hire Licensed and Respected Home Improvement

Finding the right home improvement company to update or renovate your home doesn’t have to be a stressful and disheartening process. Yet most homeowners have no idea where to start because they are bombarded with bad press about contractors who are dishonest, inexperienced and downright unreliable. Homeowners today are wary of who they can trust.

Home Improvement Complaints and Scams:

“With lower-rate mortgages tempting homeowners to trade up to a bigger house, or to refinance and expand or repair their existing home, we’re finding that construction and home improvement activity is way up, and with it is the number of complaints in those areas,” said Consumer Protection Commissioner Edwin R. Rodriguez. (Consumer Affairs, January 2006)

“Home improvement complaints rank as the top consumer complaint in Connecticut and elsewhere across the country,” Rodriguez said. “While home improvements themselves can be expensive, any problems that arise often cost consumers thousands more to fix. Unfortunately, there have been many cases where a homeowner is left with a huge problem and has no financial means of getting it repaired.” (Consumer Affairs, June 2006)

Basic scams usually do not occur with accredited companies, so make sure the company you use is licensed. “The law requires home improvement contractors to register and follow certain procedures for a reason, to protect homeowners,” Rodriguez said. “This includes complying with state laws that assure consumers a level of financial protection.” (Consumer Affairs, June 2006)

Be Wary of Certain Sales Tactics:

According to the National Consumer Law Center at consumerlaw.org, unscrupulous contractors mostly target senior citizens. Do not fall into the trap of the following sales tactics that take advantage of homeowners:

o “Bait and Switch” – offers low prices for installed items like windows and home siding, and then tells the homeowner the item is out of stock and can only be replaced with a high-priced substitute.

o Misrepresent the urgency of a needed repair.

o Claim the item is more expensive than advertised because it has to be “custom made” to fit the home.

o Misrepresent that the consumer is receiving a discount because the home is selected to model the repair when, in reality, the consumer is paying market price or more.

o Misrepresent the energy savings, health benefits and value added to the home.

o Misrepresent the terms on which financing is likely to be arranged.

Practices to Follow for Finding the Right Contractor:

If you hire a contractor with a license and a good reputation (such as the Home Remodelers Group®), you are guaranteed to avoid unfinished work, financial wrongdoing and fraud.
The National Consumer Law Center has a list of suggestions for homeowners looking for a home improvement company:

o Do not hire an unknown contractor that solicits business by knocking on your door. Deal with companies recommended by friends or reputable building supply stores.

o Before agreeing to hire any home improvement contractor, get a second estimate for the same work from another contractor.

o Get references for the contractor and speak to those references. Ask about satisfaction and any problems that arose.

o Look at other work performed by the same contractor.

o Many states require contractors to be licensed and/or bonded. Check with the state licensing body to see if the contractor you are considering is licensed.

o Get a written contract describing explicit specifications of the work, the price (including details of any financing or credit terms), the responsibility for cleaning up, and the hourly rate for any added work. Ask for guarantees and other promises to be made in writing.

o If the written documents are different from oral promises, do not sign them.

o A 3-day right-to-cancel applies to door-to-door sales and home improvement loans even after the papers have been signed.

o Do not allow a contractor to begin work until financial arrangements to pay for the work are complete.

o Do not agree to pay the final payment until the project is finished.

o Do not consolidate other debts with a home improvement loan.

o If problems with a contractor or home improvement lender arise, get help from a lawyer or housing counselor immediately.

Take Care of Your Home:

The Home Remodelers Group® has been in business since 1964 and there is a simple reason for our longevity. We take great pride in helping our customers beautify their homes, we enjoy our work and we want our customers to be happy with their homes. The Home Remodelers Goup® is licensed and insured so you can feel secure when working with us. Before you sign any contract, we provide a written estimate and detailed information on the scope of the project. You’ll know exactly what you are getting before we do anything. We do this to provide our customers with peace of mind. We have survived in this business because we focus on customer satisfaction, attention to customer service and offer quality products at a fair price.

Plan Your Home Improvements

When we purchase our homes and visualize our belongings in the space, it seems there is a place for everything and more space than we had before. After we move in, we find there are a few things that can be improved.

Almost everyone has had at least one home improvement project since they moved into their home or apartment. Home improvement is a worthwhile venture that has a number of advantages.

Most people undertake a project for one of two reasons. The main one is to add new elements that improve the physical aspect of the dwelling. This benefits the whole family. The second reason is to increase the value of the home to make it more saleable, increasing the profit that can be realized.

A home improvement project generally arises from a need such as an additional bathroom. This type of project adds value to the home. Other improvements center on family needs such as adding a deck or patio. You may see an increase in value for these types of additions, but mainly it will provide a better lifestyle for your family. If your home is more than ten years old, an improvement project may be an upgrade to electrical systems or updating the kitchen and its appliances.

Before you tackle any improvement project, you should plan it. These projects require time and money. Careful planning helps you to make sure that both of your resources, time and money, are used wisely to achieve the desired results.

It is important to take into consideration every aspect of the project. Do not begin a project without determining the advantages and disadvantages involved. If you do not, you will waste time, energy, and money.

There are a number of resources you can utilize when you decide to undertake a project. The Internet has many websites devoted to home improvement. In your local area, you are probably familiar with hardware stores as well as the major home stores. Home Depot, Lowe’s, and Sears can be found in most cities across the country.

Another good resource is the home improvement shows on television. Cable networks such as HGTV, DIY, and Fine Living have shows that run almost 24 hours a day. These shows provide a way to visually see changes that you may be contemplating for your home

Major home improvement projects such as redesigning kitchens and bathrooms and additions are not completely stress-free. However, you can keep your costs down with planning.

Home Improvement Tips to Increase

Facing the reality of fluctuating real estate market, there happens to be more home sellers than the buyers. This has changed the behavior of people looking to shop for a house as they have become choosy. So they have sensed that the seller badly wants to get on to his next home and he will do anything within reason to make the sale.

Many sellers have had to fall back on home improvement tips to ensure their house stands tall over the competition and it gets sold easily. Nevertheless, the key is in understanding which home improvement tips can intensify the value of your home for that grand sale.

Shared below are the most popular home improvement tips that will help raise the value of your home so it sells faster, for an improved price.

• If you want to make your home more sellable, then add a fitting glazing or windows with double-glazing inside existing windows. Wooden frames are a fitting choice in a home makeover. Avoid using plastic at all cost, as it may bring down the value of your home.

• Buyers tend to stay away from properties with slow and lethargic broadband. Therefore, you have to ensure your broadband is superfast by fitting a satellite broadband. All you have to do is fit a dish to your house so you can get a broadband that can go superfast to be able to stream music, data and TV without breaks.

• Simple home improvements like rendering unappealing bricks, changing concrete roof tops with slates, painting the front door afresh, keeping your fence clean, hanging baskets and flower pots, mowing your lawns and trimming the hedges, all increase your home value and create a welcoming impression for any would-be buyer.

• Expand your house by nicely fitting in one or two more bedrooms. If you’ve got a four bedroom house and only one bedroom, you could add another room including an en-suite to the master bedroom. Additional fittings like new taps, power shower and a heated towel rail add more value to your home improvement endeavors. You can employ a glass door shower screen to replace the not-so-loved shower curtain.

• You can bring the outdoor feeling into your home for extra value. You can do this by creating a treehouse for kids in your sunken garden or a fire pits for adults with bi-fold doors leading to the garden. This will give a feeling of an additional reception room in the home, which surely attracts intending buyers. You can make cheaper improvements by increasing the lighting and minimizing maintenance by cutting down trees that do not enhance the beauty of the garden. Always check if you are in a conversation area before chopping down any fruit trees.

• Acquire a wood burner for your home. Open fire places offer huge comfort but a remote controlled gas, wood, electric or multi-fuelled fire is much easier to maintain. A wood burner is better at fuel efficiency, so go with it. A good wood burner that lights up at all times gives the feeling that your house is always warm and lively.

• Get rid of old furniture and equally of the large items that take up large spaces in your house to give way to a much bigger area and more open appearances. Replace the old furniture with nice fitting new ones.

Other few home improvement tips to increase your home value include patching all holes and cracks, and then, retouching with a neutral color. Repainting the interior of the house works wonders too. Anything else you can do to outwardly shore up the appearance of your home will surely help to increase its value, rightly positioning it for a quick sale.

Secured Home Improvement Loan

It was long time back since you bough or built a home for your self. Now the home requires lot of improvement works and that in turn means a fresh borrowing. Certainly you would like to do the improvements with as low cost as possible. Secured home improvement loan is meant for making a low cost loan available for various improvement works that you need to complete. You want to add a story to your home, make your kitchen look more technologically updated, want to enlarge a room to accommodate more family members and so on—secured home improvement loan can be put to variety of usages. Take note that on doing works through secured home improvement loan, the value and equity of your home increases sharply, making the loan availing even more easily in future.

Secured home improvement loan applicant is required to place collateral with the lender. Collateral is usually the very home that you intend to make improvement on. The loan amount is decided on the back of value of collateral.. Usually lenders offer secured home improvement loan amount in the range of £5000 to £75000. The biggest advantage of secured home improvement loan is its lower interest rate. Lower interest rate means the borrower is making home improvement at a low cost of finance. What is more advantageous to the borrower is that he can repay secured home improvement loan in larger repayment duration of his choice. The loan can be returned in 5 to 30 years. This means the borrower can choose to repay a smaller monthly amount towards installments.

You can easily borrow required amount as secured home improvement loan even if you are labeled as bad credit. Your property like home as collateral has already reduced risks for the lender. So, the lender has no hesitation in offering a loan amount. Lender has the option of selling bad credit borrower’s property for recovering the loaned amount. Still, take a copy of your credit report from a reputed credit rating agency and check it for inaccuracies before approaching a lender.

But ensure to have a close look at different secured home improvement loan offers. You can locate them on internet. Compare their interest rates and apply online to the suitable lender. Online lenders do not take any fee for processing loan application and approval also comes earlier. Certainly secured home improvement loan is an opportunity for finishing improvement works at low cost.

Maria Smith has not been writing articles from the beginning. But the increase in perplexing loans information has urged her to write on different loans types. So she writes in a way that is logical, comprehensive and understandably meant to cater to the need of general public who is left breathless while searching for loans. To find a Secured home improvement loan

Cheap Home Improvement Loan

You surely would like to complete improvement works on your home at a low cost. And if you intend to take a loan, it should come at cheaper rate so that you can repay the loan easily without burden. Cheap home improvement loan is a perfect choice. Through cheap home improvement loan you can finish improvement works at low cost. Bad credit people also are fully eligible for cheap home improvement loans.

Cheap home improvement loan means that loan is offered at cheaper rate of interest. This cheap rate is approved for the borrower who offers some security of the loan to the lender. The security may consist of a valuable asset like the home of the borrower. Cheap rate of interest can easily be availed if the borrowed amount is kept below equity in the property placed as collateral as it secures the loan more. Usually lenders approve £5000 to £75000 as cheap home improvement loan. The rate of interest can go down for a borrower who has excellent record of timely paying previous loan. So if your credit history is excellent or good you are sure of getting a cheap home improvement loan at cheap rate of interest.

You can choose to repay cheap home improvement loans in larger duration that ranges from 5 to 30 years. So on opting for larger repaying duration your monthly payment for the loan installments gets reduced substantially and you repay the loan easily as cheaper rate has already reduced the repayment burden.

Bad credit is usually no problem in getting cheap home improvement loans but the rate of interest may be a bit higher. However the rate will still be cheaper as compared to any unsecured loan as you take the cheap home improvement loan against your property. Compare different lenders for interest rate and apply online for fast and cost free loan approval.

Home Improvement Loan

If you have lived in your home for several years, now this is probably the right time for you to make some improvements. Minor or major improvement is usually needed to make your time at home more enjoyable. Besides, improvement will also add the value of your beloved home.

When improving some parts of your home, the budget that you own plays an important role. The amount of your money determines the coverage of your home improvement and surely the building quality. Commonly, people need much money when it comes to home improvement and it triggers them to obtain loan. If you plan to conduct the improvement but you don’t have a special budget to fund it, it is a good idea to consider obtaining home improvement loan. This type of loan makes your home improvement financing gets easier and gives you the peace of mind.

To help you obtain the loan in an easier way, here are some steps that you can do:

1. Determine the amount of money that you need for the project. The way you determine the budget that you might need is very easy, all you need to do is just checking the parts that you need to improve. After that, you can get help from a contractor to estimate the budget. Seeking help from professional helps you know the needed fund without wasting the time.

2. Once you have determined the amount of money that you want to borrow; now this is the time to find the right lender. Nowadays, there are many lenders offer home improvement loan as more people need a simpler financing option. When searching for a lender, make sure that you check the most reputable ones. Loan types, interest rates, and closing costs are some things that you should also check when searching for a lender. You can make use of the internet to view lenders’ profile and the service that they offer. This may take some times but the information that you get will make you decide easier.

3. Finally, you come to the last step of obtaining the loan. After choosing a lender who fits your need, now this is the time for you to apply for the loan. Mostly, lenders will require you to deal with the paperwork and then submit it to them. Applying for home improvement loan can also be done online today to save your time.

It is easy, isn’t it? Obtaining home improvement loan can be much easier today as lenders are trying to improve their service to the prospective borrowers. If you don’t have any experience in obtaining the loan, it is a good idea to seek assistance from the professional.

Get Approved for a Bad Credit Home Improvement

me improvement projects are wonderful, but can quickly become expensive. There are a number of factors that should be taken into consideration when planning home improvements. In some situations, contracting the services of professionals, buying tools and supplies are necessary for completion. There can be a strong inclination to withdraw from your personal savings for home improvements, especially if there is a large repair involved that is an absolute necessity. This can lead to a strain a family’s financial security. If this is the case, you might want to try to get approved for a bad credit home improvement loan.

Making home improvements are one way to increase the appraisal value of your house. However, if your have a bad credit history, your chances for loan approval will certainly decrease. Banks and other financial lenders take your credit history into consideration when trying to get approved for any type of home improvement loan. The lower your credit score, the more difficulty you will have in obtaining a home improvement loan.

Even though this is not encouraging news, don’t give up just yet! You may still be able to qualify for some types of bad credit home improvement loans. Lenders do exist that are willing to approve home improvement loans for persons with a bad credit history, however, possessing sufficient equity in your home will likely be a major requirement.

Unfortunately, bad credit home improvement loans have higher interest rates. But there is a bright side, because if scheduled loan payments are made on time, the credit rating of the borrower will increase provided there are no other negative factors affecting the credit score. After a period of 12 to 24 months of timely payments, you may be able to refinance your bad credit home improvement loan for a lower interest rate.

Here are some excellent tips on ways to get approved for a bad credit home improvement loan and get the lowest possible interest rate for your current credit score:

1. Research

Take time to research your available options. Knowing your options will be a large help when it comes to finding the lowest possible interest rates on a bad credit home improvement loan.

2. Recommendations

Talk to other people who may have gone through the bad credit home improvement loan approval process. Recommendations from friends or co-workers could save you hours worth of your own research time. You may get information from people who have completed the process that you might not learn otherwise.

3. Multiple Lender Quote Comparison

Always get more than one lender quote. You should compare home improvement loan quotations from no less than three or four lenders before attempting to make a decision.

4. Good Rapport

Contact the lenders with which you think you have the best chance of getting an approval for a bad credit home improvement loan. Once a good relationship has been established, lenders may be more likely to give you a lower interest rate.

Improving your credit score as much as possible before you apply for a loan is the best way to get approved for a bad credit home improvement loan. Your bad credit home improvement loan should be seen as an opportunity to both increase the value of your home as well as improve your credit score in the future.

Home Improvement

Home is your sanctuary. The place you go back to every night and somehow it doesn’t seem right. Your home is an expression of who you are and if you walk out each of a place that you does not seem to belong to you then probably your home needs improvement. You are probably guessing how you are going to make the payments for your home improvement. Your home remodeling plans are no longer to be restricted to the thought stages. Let them see the light of day. Home improvement loans will provide you with a dependable groundwork to build on the home you have a vision of.

Home improvement is predominantly triggered by the desire to own a comfortable home. Home improvement can be slightly difficult, if your financial position is tight. This is where home improvement loans have a function to perform. Being a homeowner you could not have been in a better position to apply for a home improvement loan. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan is available for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. Store card interest rates are as high as 30%. In every circumstance a personal loan for home improvement is a more disciplined and cheaper option.

Home improvement plans can be funded by means of a secured loan, unsecured loan, remortgaging or taking further advance on your mortgage. Unsecured home improvement offers a typical flat rate of interest 12-14%. But a little bit of research will get you an unsecured home improvement loan for 10%. A secured home improvement loan indisputably attracts lower rate of interest. APR of a secured loan is around 7%. You can borrow anything from £ 5,000 to £ 75,000 for home improvement. The repayment term can be extended from 5 years to 25 years depending on the loan amount, your available income and the amount of equity in the property.

In the contemporary context, one of the ingenious thing one can do with a home’s equity is to put it right back into the home. Home improvement is besides providing you with the much needed changes, increases the equity of your home. There has been a rise in home improvement loans in the past decade. If the property cannot be sold then home improvement is the answer. Home improvement is remarkable if your primary motive is to raise large amounts. But not every home improvement will improve the resale value of your home. So it is recommended that you stick to those home improvement plans that give you the maximum returns. It is important to remember that over enthusiasm with improvement won’t lead to any gain. It is difficult to recover investment in a home that is already more valuable than those in the neighbourhood. And keep your whimsical tastes to respite for there might not be many mainstream homebuyers for them.
Home improvement loan might seem like an unreal thing for many homeowners. But the newer more sophisticated home improvement loan options are very easy to adjust to. They are designed to keeping in mind the conditions and status of every homeowner. The ever expanding mortgage market gives you an opportunity to apply for a mortgage for home improvements and that too in the most uncomplicated manner. More and more homeowners are administering for remortgage to raise capital for home improvements. By completely remortgaging the consolidated loan, the entire mortgage market is assailable to the loan borrower. If you care enough to shop around then you can find a very reasonable and cheap mortgage loan for home improvement.

Home improvement loans are a package that includes any kind of meliorations that you can think of. It is your home and you have every right to improve it the way you want to. Contrary to accepted conviction home improvements are vital and absolutely necessary. Why home improvement? If that is what people ask when you suggest it then they probably don’t know what is the meaning of comfortable living is. Home improvements improve the quality of life. We work hard and save money to buy personal satisfaction and comfort. If the house that we have build does not provide the relief then perhaps home improvement is what you need.