Home Improvement

There is more than one option to financing
your dream home improvement project.

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Renovations can be costly which is why it’s crucial to consider the pros and cons of all sources of funds available to you.

Loan Options


    An ideal scenario is to get cash to fund your project while reducing your total interest rate or payment. In many instances, this can be accomplished. The most popular renovation or repair solution, usually at the lowest rates, perfect for those who have built up equity in their home.

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    Your home’s equity can be one of the most powerful tools you have. A home equity loan can get you funds for your renovation or repairs and may offer lower rates than an unsecured loan. A fantastic solution for those with equity in their home who don’t want a new mortgage.

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    Generally, no collateral is required and rates are typically lower than those on credit cards. With an unsecured loan, you won’t have to use your home’s equity to finance your renovation or repair.

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Did you know?

  • Homeowners have spent an average of $6,649 on home improvements per household in the last 12 months.
  • Millennials are more likely than any other generation to remodel any part of their homes — and they’re twice as likely as baby boomers to complete bathroom and kitchen remodeling projects.
  • Millennials have completed the most home projects in the past 12 months — 72 percent, 42 percent and 18 percent more than the silent generation, baby boomers and Gen Xers, respectively.
  • Baby boomers have spent the most money on home projects in the past 12 months — 32 percent, 14 percent and 10 percent more than millennials, Gen Xers and the silent generation, respectively.

Top Planned Projects in the Next 12-months

ProjectReported Average National Cost*
Interior Painting$1,744
Landscape Installation$3,272
Bathroom Remodeling$9,723
New Flooring Installation$2,863
Exterior Paint or Staining$2,770
New Appliance Installation$189
Kitchen Remodeling$22,134
Build a Deck or Porch$7,086
Install a Toilet$370
Install New Countertops$3,232

*Average national costs as reported by homeowners in HomeAdvisor’s True Cost Guide.