With the pride of owning the perfect home, comes the hard work of it’s maintenance and furnishing – which is not always a very easy job. Transforming your house into a home or rather – your “haven”, requires not only additional creativity and time, but also an outsized fraction of those saved finances. This may not always be possible with all the regular monthly bills, other debts, household expenses and chores and any additional urgencies that require financial attention. For those of us who feel that home improvements and enhancements are equally important and not just a luxury, but who are at the same time faced with a financial constraint, there is a solution – “Secured Home Improvement Loans.”

Just as the name suggests, Secured Home Improvement Loans are loans or financial solutions taken to assist us in making certain required home improvements. Secured Home Improvement Loans are taken to beautify your home either for your own tastefulness or to add to the current value of your home. Improvement is usually a permanent addition or modification of real property. Home improvements could include house painting, redecoration, repair, refurnishing or renovation. It can also include adding a storey to the house or certain additional home developments to increase the capital value of the house in terms of real estate.

Secured Home Improvement Loans are usually given to home owners. Secured Home Improvement Loans are like regular personal loans where you have to be knowledgeable with regard to interest rates, credit history, collateral, etc. Being secured, this loan entails the presence of collateral. Collateral is some kind of security put up by a borrower that remains in the possession of the loan lender until complete repayment of the loan. Collateral can be in the form of a home, other property in the borrower’s name, a bank account, automobiles, jewellery or any securable asset of the kind. It is important to mention, here, that in case a borrower defaults in his monthly payments or makes incomplete repayments, a lender can pursue the borrower through the legal system, simultaneously seizing the collateral.

Secured Home Improvement Loans are ideally better off than their unsecured counterpart because of the interest rate. As we all know, interest is what makes a loan attractive and feasible. When loans are secured, as in the case of Secured Home Improvement Loans, the interest rate is comparatively lower. This is because the lender can be assured of repayment when collateral of sizable value is placed against it. The interest rate for Home Improvement Loans varies with the amount you wish to borrow, your credit history, the equity in your home and collateral.

With high value collateral, the amount that can be loaned to a borrower is raised, the repayment term is further extended and the repayment options are made more flexible. Good credit history will add impetus to all these benefits while bad credit can do just the opposite.

One of the key factors in availing an inexpensive Secured Home Improvement Loan is the equity of your house or real estate, which refers to a measure of how much of the mortgage on the property, has been paid. Thus, higher the equity better is your chance of locating a cheap Secured Home Improvement Loan and getting a decent amount of loan.

When in the turf to get yourself a good Secured Home Improvement Loan, remember to clarify all details before signing on the dotted line. After all – it’s your money and your home. Comparing interest rates offered on Secured Home Improvement Loans from different lenders gives you a good idea of how competitive they are and familiarizes you with interest rates. Finalize on a Secured Home Improvement Loan only once you are sure that you can meet it’s demands, in terms of interest, monthly payments and collateral necessities. These loans could take a little longer to process because Secured Home Improvement Loan necessitates valuation of collateral. But one thing is for sure, the time it takes is well worth the money saved on interest.

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Finding the right home improvement company to update or renovate your home doesn’t have to be a stressful and disheartening process. Yet most homeowners have no idea where to start because they are bombarded with bad press about contractors who are dishonest, inexperienced and downright unreliable. Homeowners today are wary of who they can trust.

Home Improvement Complaints and Scams:

“With lower-rate mortgages tempting homeowners to trade up to a bigger house, or to refinance and expand or repair their existing home, we’re finding that construction and home improvement activity is way up, and with it is the number of complaints in those areas,” said Consumer Protection Commissioner Edwin R. Rodriguez. (Consumer Affairs, January 2006)

“Home improvement complaints rank as the top consumer complaint in Connecticut and elsewhere across the country,” Rodriguez said. “While home improvements themselves can be expensive, any problems that arise often cost consumers thousands more to fix. Unfortunately, there have been many cases where a homeowner is left with a huge problem and has no financial means of getting it repaired.” (Consumer Affairs, June 2006)

Basic scams usually do not occur with accredited companies, so make sure the company you use is licensed. “The law requires home improvement contractors to register and follow certain procedures for a reason, to protect homeowners,” Rodriguez said. “This includes complying with state laws that assure consumers a level of financial protection.” (Consumer Affairs, June 2006)

Be Wary of Certain Sales Tactic:

According to the National Consumer Law Center at consumerlaw.org, unscrupulous contractors mostly target senior citizens. Do not fall into the trap of the following sales tactics that take advantage of homeowners:

• “Bait and Switch” – offers low prices for installed items like windows and home siding, and then tells the homeowner the item is out of stock and can only be replaced with a high-priced substitute.

• Misrepresent the urgency of a needed repair.

• Claim the item is more expensive than advertised because it has to be “custom made” to fit the home.

• Misrepresent that the consumer is receiving a discount because the home is selected to model the repair when, in reality, the consumer is paying market price or more.

• Misrepresent the energy savings, health benefits and value added to the home.

• Misrepresent the terms on which financing is likely to be arranged.

Practices to Follow for Finding the Right Contractor:

If you hire a contractor with a license and a good reputation (such as the Home Remodelers Group®), you are guaranteed to avoid unfinished work, financial wrongdoing and fraud.

The National Consumer Law Center has a list of suggestions for homeowners looking for a home improvement company:

• Do not hire an unknown contractor that solicits business by knocking on your door. Deal with companies recommended by friends or reputable building supply stores.

• Before agreeing to hire any home improvement contractor, get a second estimate for the same work from another contractor.

• Get references for the contractor and speak to those references. Ask about satisfaction and any problems that arose.

• Look at other work performed by the same contractor.

• Many states require contractors to be licensed and/or bonded. Check with the state licensing body to see if the contractor you are considering is licensed.

• Get a written contract describing explicit specifications of the work, the price (including details of any financing or credit terms), the responsibility for cleaning up, and the hourly rate for any added work. Ask for guarantees and other promises to be made in writing.

• If the written documents are different from oral promises, do not sign them.

• A 3-day right-to-cancel applies to door-to-door sales and home improvement loans even after the papers have been signed.

• Do not allow a contractor to begin work until financial arrangements to pay for the work are complete.

• Do not agree to pay the final payment until the project is finished.

• Do not consolidate other debts with a home improvement loan.

• If problems with a contractor or home improvement lender arise, get help from a lawyer or housing counselor immediately.

Take Care of Your Home:

The Home Remodelers Group® has been in business since 1964 and there is a simple reason for our longevity. We take great pride in helping our customers beautify their homes, we enjoy our work and we want our customers to be happy with their homes. The Home Remodelers Goup® is licensed and insured so you can feel secure when working with us. Before you sign any contract, we provide a written estimate and detailed information on the scope of the project. You’ll know exactly what you are getting before we do anything. We do this to provide our customers with peace of mind. We have survived in this business because we focus on customer satisfaction, attention to customer service and offer quality products at a fair price.

Think of your home like a child that needs a doctor. You would take your child to a licensed and professional doctor, not someone that comes to your door. So make sure your home receives the care it deserves by hiring experienced and well-accredited home improvement professionals.

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