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Ways to Finance 
Your Dream Home

Ways to Finance 
Your Dream Home

Transform Your Home Without Breaking the Bank

Transform Your Home Without Breaking the Bank

Do you love your home but feel frustrated with the layout or outdated design? A kitchen remodel, room addition, or full-home renovation can make a world of difference—but how do you finance it?

At HomeWorks Construction & Remodeling, we help homeowners navigate smart financing options to bring their dream homes to life while staying within budget.

Home Equity Loans & HELOCs:

Home Equity Loans & HELOCs:

  • If you’ve built up equity in your home, you can borrow against it. These options often come with lower interest rates than personal loans.

    • Best For: Larger projects with a solid repayment plan.
    • Things to Consider: Requires significant equity and uses your home as collateral.

Personal Loans & In-House Financing

Personal Loans &
In-House Financing

    • For those without home equity or who prefer a no-collateral option, personal loans can be a flexible alternative. HomeWorks offers in-house financing up to $100,000 with terms up to 15 years!

      • Best For: Mid-sized projects without tapping into home equity.
      • Perks: No prepayment penalties and quick approvals.

Credit Cards with 0% APR Promotions

Credit Cards with
0% APR Promotions

      • A credit card with a 0% interest promotion can be a savvy way to finance smaller projects. Just be sure to pay it off before the interest kicks in!

        • Best For: Partial project costs or unexpected expenses.
        • Real Example: A couple funded a $10,000 renovation using a 15-month 0% APR card—paying it off before interest started!

Cash-Out Refinancing

Cash-Out Refinancing

        • Refinancing your mortgage at a lower rate while cashing out extra funds can make financing seamless.

          • Best For: Homeowners looking to consolidate loans into one payment.
          • Bonus: Increases home value while securing lower rates.

          • Best For: Mid-sized projects without tapping into home equity.
          • Perks: No prepayment penalties and quick approvals.

Government-Backed Loans

Government-Backed Loans

(FHA 203k, VA, and More)

(FHA 203k, VA, and More)

          • These programs let you borrow based on your home’s post-renovation value, making them ideal for those without built-up equity.

            • Best For: First-time buyers or those with limited home equity.
            • Perks: Competitive rates and one simple monthly payment.

Savings & Dedicated Home Improvement Funds

Savings & Dedicated Home Improvement Funds

            • If you have time to plan, setting aside money for renovations can help you avoid interest payments altogether.

              • Pro Tip: Keep a separate account for home upgrades and factor in material price fluctuations.

Let’s Make It Happen!

Let’s Make It Happen!

              • At HomeWorks, we work closely with local lenders and financial institutions to help you find the best financing for your project. Let’s turn your vision into reality!