I need advice on getting a home improvement loan?

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I only need about 2,000 just to make a few small improvements I barley have any credit but we only owe about 44,000 left on our mortgage I tried to apply for one but the minimum loan allowed was 10,000 and I don’t need that much is there any way for me to get a home improvement loan and tack it onto our mortgage instead of having a monthly payment we would just pay on our mortgage a little longer???

  1. Reply
    May 3, 2011 at 11:51 pm

    You may be elibible for either a 2nd mortgage HELOC, or a refinance of your first mortgage. A HELOC is a Home Equity Line Of Credit. You would apply with a local bank or credit union. The minimum line is probable $ 10,000, but you only need to use as much or little as you need. You could pay this down, and then be able to reuse the funds again for other needs. This would be the cheapest short term option.
    A Rate and Term refinance of your home would allow you to get up to $ 2000 back. If you were lowering your rate, this would be the way to go. Rates are currently running about 5.00% for a 30 yr fixed loan. This would make your payment $ 245.00. Of course you pay always pay as much more as you want and pay it off much sooner than 30 years. If you are not lowering the interest rate by atleast .50%, the fees on the refinance would be prohibitive and cost you way too much just to get $ 2000 back.

  2. Reply
    May 4, 2011 at 12:03 am


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  3. Reply
    May 4, 2011 at 12:47 am

    you may not have a choice but look at it this way if you take a 10 ,000 loan and use 2,000 and put the rest in the bank in a savings you will be earning interest on the money and start paying on the loan immediately, whatever your payments are–pay 1 payment 3 weeks in a row +$ 5.00 this will put you 3 months ahead in your payments and will always look good for your credit rating. sometimes equity loans are necessary so you might as well use them to your Advantage

  4. Reply
    May 4, 2011 at 1:39 am

    good day
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  5. Reply
    May 4, 2011 at 2:25 am

    I am Jessey Carlton i live in live in north Carolina i was actually looking for a loan to set a business i have been to monitory firms but they keep on promising me i and decided to give Yahoo Answers a trial and was scammed twice by some dubious scammed and i saw a testimony concerning HENRY SMITH LOANS FIRM COMPANY and i gave it a try and i got my loan($ 46,000usd), if you are looking for a trustworthy,standard,legitimate,reputable loan firm its Mr. Henry’s Firm you can reach the company through its e-mail smithloansfirm23@yahoo.com=
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  6. Reply
    May 4, 2011 at 2:41 am

    My name is Davis Ryan from United Kingdom and also a knight in the roman catholic church. I give loan with affordable interest of 3%. I give loan from the range of $ 1,000 to $ 10 million. Note that any kind of loan you are looking for i can give to you. If you are interested please give us the following details:
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  7. Reply
    May 4, 2011 at 3:15 am

    Hi, am Cheryl Wilson from Australia am in need of a loan and a friend of mine introduced me to a loan firm called BENRUM FAST LOAN FIRM, they gave me loan @ 2%. I really thanked God because i was able to meet my needs. If u are in need of loan, you can contact him at (mrben.rume@yahoo.com)

  8. Reply
    ekejija dick
    May 4, 2011 at 3:47 am

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  9. Reply
    May 4, 2011 at 4:44 am

    I am Joy Anderson i was in need of a loan of $ 100 000 USD and was scammed by those fraudulent lenders and a friend introduce me to Mr John clarke,and he lend me the loan without any stress,you can contact him at clarkeloanscompany12@yahoo.com

  10. Reply
    Lori John
    May 4, 2011 at 4:51 am

    Hello am Joyce Austin, am from United States , I was your profile I decided to recommend you directly to MAMBO LOAN COMPANY, a legit money lender who offer me a business loan just two weeks ago, you can reach him via: mamboloancompany@yahoo.com or mamboloancompany@sify.com

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