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 How To Finance A New Kitchen
By: Darin "Sid" Cameron, CRS
Mon, Jan 17th, 2005 9:16 pm

Do you want to improve the look of your home? Have you thought of adding value to your home with a brand new kitchen?

Now that the holidays are over, the thought of home improvements, like a new kitchen, can be lingering thoughts. Projects like these can be expensive endeavors when most of us do not have the additional funds sitting in a bank account screaming for you to spend.

Maybe it’s time you consider a Home Improvement Loan. You may have heard different terms like Home Equity Line of Credit (HELOC) or Line of Credit. A HELOC could be the easiest and cheapest way to make improvements to your home and have your dreams become a reality.

A HELOC offers a low interest rate, usually tied to the prime rate (today at 5.25%) and a low monthly payment, secured by your home. As the home owner, it frees you up to do whatever improvements you want on your home or property.

With a HELOC, you can have up to 100% of your home’s value available to you for improvements, rehabbing and life’s unplanned emergencies. You only pay for what you spend leaving funds available for other projects and/or emergencies. The loans are typically repaid over a 10 year amortization schedule.

A mortgage lender can better provide details and current rate information. Your available income, credit score and equity in your home will play a part in determining your rate and ability to qualify for different program options.

A HELOC can help you with: getting that new kitchen, remodeling a bathroom, building a home addition, buying new furniture, landscaping in the Spring, and so on. What you spend your money on is entirely up to you.

For more information on financing your new kitchen and other home improvements, contact us and we'll put you in touch with a lender.

[ Next Article: Wings in the Twilight, February 19th ]
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Darin "Sid" Cameron spent 15 years working in the technology industry which in 1998 relocated him to St. Louis. In 2004 he took over web development tasks for Kimberly's real estate team and later became the full-time Marketing and Operations Director in 2005. In 2011 Sid launched two brokerages, The Realty Store, Inc. and Realty Referral Partners, Inc, while continuing to perform marketing and operations for Kimberly's team. Sid holds a real estate broker's license in Missouri, CRS certification and was the first CyberStar in the St. Louis area.
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