The Best Home Improvement Shows

It used to be that the term “Home Improvement Shows” garnered images of Bob Villa, standing in an old house, describing every action as he hammered. While these types of shows were highly informative, they weren’t busting with entertainment appeal: if not for the pounding of the hammer, you might have fallen asleep.

Nowadays it’s different; home improvement shows aren’t only concerned with being educational, they are also concerned with being fun to watch: they want to touch on emotion as much as they want to touch on intellect. For these reasons, the home improvement shows of yore have all but gone away, and the home improvement shows of today are improving television ratings.

The following is our list of the best home improvement shows, shows that hit the entertainment nail on the head.

Extreme Makeover: Home Edition, ABC: In its third year of Prime Time exposure, Extreme Makeover: Home Edition is seeing extreme success. A show that takes the houses of struggling families – families struggling because of health problems, impoverishment, or natural disasters such as Hurricane Katrina – and makes them into architectural and designer masterpieces, Extreme Makeover: Home Edition leaves us all wondering what we would do if we had endless money, and a crew of hundreds. On an unselfish front, this show also tugs on our heart strings, leaving us joyful that the burden of a struggling family has been somewhat lessened. Extreme Makeover: Home Edition is the only home improvement show that can routinely make us cry.

Design on a Dime, HGTV: All of us want to remodel, redo, redecorate, but not all of us have the resources. For those of us without tens of thousands of dollars to spend on home improvement, Design on a Dime is singing our song. Design on a Dime features a team of designers who take a budget of a thousand dollars and do wonders to a house. This show shows us that a regular old boring room can be turned into one with flair and appeal without spending great amounts of money. Sure, you might not be able to design on literally a dime, but you might be surprised at how frugally you can fix up your house.

Trading Spaces, Discovery Home: Dueling banjos meets home improvement, Trading Spaces is a show that allows two sets of people to redecorate one room in the other’s house. With each set of people having only two days of decorating, and a budget of just a thousand dollars, Trading Spaces is a great show for people who need quick, cheap decorating ideas. Though the show grants each set of people a carpenter and a designer – two things you might not exactly have lying around – it is still a show that sparks creativity in the person who knows they want to improve their house, but isn’t sure how.

Toolbelt Diva, Discovery Home: I am woman hear me roar, or at least hear me pour cement. Toolbelt Diva is a show that teaches us all that home improvement isn’t just for the boys. A do-it-yourself program hosted by Norma Vally, this show is aimed at encouraging women to take the bull by the horns: it grants women power…tools. Enlightening, entertaining, and educational, Toolbelt Diva shows the world that you can engage in home improvement and have a uterus….all at the same time.

Home Improvement, Now in Syndication: Sure, the show Home Improvement – with Tim Allen wrecking havoc on just about anything he touches – is definitely more of a show on how to destroy your house than one on how to repair it, but it makes our list for one reason: it brings heart and comedy to the usually boring concept of fixing up a house. A show that aired on ABC from 1991 to 1999, Home Improvement, eight years later, still has a unique way of bringing out the handyman in all of us.

Best Home Improvement Loan Rate – 5 FAQs

As the name implies, home improvement loans are special loans that banks and other lenders extend to homeowners for the purposes of making improvements on a home. Improvements that are allowed can fall into any number of categories, including indoor and outdoor improvements.

In general, banks who extend these types of loans to customers would like the home improvements to be something that will increase – or at least maintain – the value of the home so as to preserve the home equity.

Borrowers can generally take out this type of loan from their current mortgage lender, or they can shop around to other lenders. The homeowner has no particular obligation to go with their existing mortgage lender when it comes to borrowing money in the form of this type of loan.

Of course, if you are looking to borrow money to make improvements to your house, you will want to shop around to try to qualify for the lowest-possible rate; shaving just 1-2% off of your loan interest rate could save you thousands of dollars in interest payments.

If you are looking for the best home improvement loan rate, here are the answers to 5 frequently-asked-questions (FAQs) about home improvement loans:

1. Do home improvement loans require that I put up collateral?

A: Many home improvement lenders require that you put up collateral, usually in the form of home equity. They may extend to you, for example, a 75% LTV (loan-to-value) loan. This simply means that the total amount borrowed plus existing mortgage balance together must equal less than 75% of the home’s appraised value.

However, some lenders do offer this type of loan without requiring that the borrower put up any collateral. It is important to shop around until you find a lender that is willing to agree to your desired loan terms.

2. Is there a minimum or maximum loan amount?

A: Most lenders will usually require a minimum loan amount of, for example, $5,000. And, there will be a maximum loan allowed, as well. For those lenders who require collateral in the form of home equity, the maximum can be easily calculated based upon the type of loan (e.g., 70% LTV, 75% LTV, etc.).

3. How do interest rates compare to credit card interest rates?

A: In almost all cases, interest rates for this type of loan are going to be lower than if you borrowed the same amount against a credit card.

4. How do I access the money?

A: You may be paid the money you borrowed in a single, lump sum. In other cases, you may be able to set up the loan payments to where you simply withdraw the amount you need, much as you would when using a credit card or writing checks.

5. Are these short-term or long-term loans?

A: In general, the best home improvement loans are relatively short-term loans. This is especially true if you decide to borrow the money on a borrow-as-you-go basis. However, if you choose to get a lump-sum type of loan, your repayment terms may be longer term, such as 5 or 10 years.

Ending Up With the Best Home Improvement Products

Home improvement is usually on the minds of many people and this could be because they are tired of their old surroundings or they want to add more things to their house. Regardless of the reason, it is wise that the person goes through the process of obtaining home improvement products to improve their home wisely to avoid getting disappointment in the end. The first thing to do in order to get the best products is to plan in advance as this will help to establish just what is needed for the whole process in terms of the products, time and cost and in addition to this the owner will approach it soberly. Usually, contractors and builders have items that remained after a job and could be willing to part with them at a fair price.

Just as with other projects, time is also of the essence in home improvement projects and to save time when starting a project, it will be wise to list down all the needed products. This will help to select the best home improvement products. Most people who compromise on the quality of the products to use for their home improvement often end up getting disappointed and to avoid this, one should always insist on having quality products. Adaptive qualities and durability are other factors that should be considered when looking for products so as to avoid having to do repairs every other time. Expensive does not necessarily mean quality and it is therefore important that a person buys products that will fit into their products. To buy the best products at minimal cost is very much possible and one way through which one can do this is by going online and going to different stores for price comparison.

Awareness of the environment is another factor to consider when thinking of buying home improvement products. Products that are friendly to the environment are usually manufactured using renewable matter that is more environment-friendly. In addition to this, the products have the ability to keep the household safe because they are devoid of harmful chemicals known to cause skin diseases or other medical complications. When looking for the best products to improve the home one is likely to find themselves quite confused because there are quite a number of people who sell these products especially on the internet. To avoid this confusion or even getting ripped off it is wise to talk to people and from them it becomes easy to know the best sites to use to get the best deals of home products. As long as one has guidelines it is not easy to go wrong when looking for home improvement products.

Finding the Best Home Improvement Loan Rates

When you own a home, you think of how you can maintain it. This is, after all, an investment you make. It is only smart and practical that you do whatever it takes to maintain it.

That is why there are home improvement loans that you can make the most out of. But how do you know which one is the best. There are so many opportunities there that all end up claiming to be the best.

However, once the whole hoopla faded and you’ve already signed on board, you realized that it was not what you expected it to be.

So you have to regain whatever you’ve lost. This is a challenge for you indeed. You don’t need to be overwhelmed.

Just take the time to compare one loan with the other in order for you to know which one you should get into.

The first thing you should know is the type of loan available. In order for you to get the best home improvement loan, you need to know the kinds out there.

You have to determine which one works for you and whether it is appropriate for your lifestyle or not. Then the next question is whether you can afford to pay for it in the long run.

Know that if you let the bills mount high, you will have a higher mortgage rate and the home improvement loan that you originally intended to take advantage of might result to foreclosure if you can’t pay for your home all in all.

We suggest that you look into the funding factors. The best home improvement loan knows that the large purchase is very essential.

This is why when you’re contacting lenders, you need to be aware of the current home equity loan and whether this is the best one for your budget within your state.

The rates of the home improvement loan also vary by state. Check with HELOC if ever there is a way to make the rate flexible and be right for your budget and your preference.

Finally always think of your credit. You need to have good credit before and after you opt for the best home improvement loan that you’ve decided to sign up for. In that case, you are able to keep a clean name and this will help in the future.

If otherwise, you will have a harder time applying for other loans. It is always smart to be reputable whenever it comes to any kind of bank transactions.

Finding the Best Home Improvement Loan Rate

The best home improvement loan rate can usually be found if you take the time to shop around for it, but that doesn’t mean that your search will always be easy. Whether or not you receive the best home improvement loan rate for the loan that you desire is usually affected by several factors such as your credit history, the equity that you’ve built up in your home or real estate, the amount of money that you’re requesting for your loan, and the current local and national interest rates.

By taking the time to shop around and see what options are available to you for your loan, you can often greatly increase your chances of locating the lender that will offer you the best home improvement loan rate that you qualify for.

What is it?

A home improvement loan can be taken to help pay for repairs, expansions, or improvements to your house or real estate. These loans use the equity in your home as collateral for the loan, with various interest rates and fees depending upon the lender who offers the loan and some of the factors mentioned above.

The interest rate that you pay might be high or low, and may be a fixed rate that won’t change over time or a variable rate that can fluctuate as national rates do. To help increase your chances of finding the best home improvement loan rate you should take the time to consider as many lenders as possible before deciding on one over the other.

Shopping for a Loan

There are several places that you can search for the best home improvement loan rate possible. Banks and finance companies are often good places to start, and online lenders offer a good alternative as well as a more national perspective.

Request loan quotes from each lender that you visit, making sure that you use the same loan amount and collateral value for each one. Don’t commit to any particular lender until you have at least four or five different quotes, or you may not get the best home improvement loan rate that you’re eligible for.

Comparing Loans

Once you’ve gotten several quotes for your loan, take a little time to compare the interest rates and the various terms associated with each loan offer. You should be looking for the loan that features a low interest rate as well as flexible repayment terms; a good balance of the two will make sure that you don’t have to pay more in the long run.

The best home improvement loan rate doesn’t do you any good if you have to pay it all back in an unreasonable amount of time or face high fees when you apply. Find a loan offer that has flexible terms, low interest, low fees, and that comes from a lender you trust and want to work with. Any loan that meets all of these needs is likely the best loan for you.

Repaying the Loan

Once you’ve obtained your loan and begun your repairs or improvements, make sure that you budget the loan payments into your finances. Any money that’s left over after you’ve finished making your home improvements should be put toward paying off your loan, since it will help you to get the loan paid off quicker and keep your credit in good shape for the next time that you’re trying to find the best home improvement loan rate or any other loan.

Choosing The Best Home Improvement Loan

Kitchen make over, living room extension, roof and ceiling replacements, doors and windows replacement, and home repainting can cost thousands of dollars. If you don’t have enough money to finance any of these, you can always count on mortgage loan.

While you can always apply on the first lender you can see online, getting the best home improvement loan rate would take more work than that.

To get started, here are the things you should do:

Know how much money you need. Say your kitchen improvement would cost $15,000 and you already have $5,000 on hand, what you should be looking for is a lender that would let you borrow at least $10,000. Simple math right? But finding a lender that will let you borrow this amount is easy; getting the best home improvement rate that is easy to pay is entirely a different story.

Home improvement loan rate depends on different criteria. And two of the most important factors that would affect your rate are your credit history and the amount of your equity.

Credit history influences the interest rate of your loan. It is important that you have a good credit score. Generally, if a person has a good credit score, he or she can receive a lower rate. A person with bad credit score on the other hand can get the same loan at a higher interest rate.

The amount of your equity determines the amount of your loan. Your equity is computed by subtracting the value of your home to the mortgage or the amount you owe at your bank.

Having a bad credit score would not remove your chances of getting the best home improvement loan rate. What you should do is to search for different lenders that would offer you the best rate under bad credit rating. This also applies if you have a good credit score. In short, whether you have a good or bad credit rating, you need to search thoroughly to find the best rate for your specific need.