6 Ways to Finance Your Home Improvement Project

Lynne M. Centeno

If you’ve been staring at the four walls of your home since March, you might feel an itch to finally finish your basement or update your bathroom tiles. As long as you’re at home, you might as well enjoy what you’re looking at, right?

According to a survey by online lender LightStream, 73% of homeowners are planning a home improvement project this year. Nearly two-thirds of homeowners planning renovations will use savings, the survey says. Those who don’t have savings or choose not to spend it will need to weigh their options for financing their renovation projects.

The best way to pay for your project depends on factors like your home equity, credit and goals for the project. Here are six types of home improvement loans and how each works.

1. Cash-out refinance

The economic effects of COVID-19 have driven mortgage rates down sharply, making cash-out refinance a popular recommendation

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40+ Ways to Make Your Home Pinterest Perfect

Lynne M. Centeno

Go for the Gold

Buh-bye brushed nickel and patinated bronze, glittering gold is taking center stage. From lighting fixtures to gilded furniture, this hot hue has taken the design world by storm. Even a few small touches — like swapping out kitchen cabinet hardware or working in a few gleaming accessories will give your home an on-trend update.  

Rock a Collected-Over-Time Look

While trends in collectibles may vary, antiques are perennially in-fashion in interior design. So pick something you love — tea cups, stamps or, in the case of this home, handblown demijohns and wooden shoe forms — then dispay the pieces en masse as a collection. 

Color Your World

Goodbye greige, designers have fallen back in love with color. But, like anything, too much of a good thing can be, well, too much. To create a pleasing palette, take a cue from designer Tobi Fairley and limit your main

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