Sometimes the best options are loans, such as the FHA Title 1 Home Improvement Loans, designed more like second mortgages, they offer lots of flexibility. Admirals Bank does tons of these, here are the hot points:
No equity or appraisal required
100% upfront funding (money is disbursed before work begins)
No prepayment penalties
Flexible loan terms
Interest may be tax deductible (consult your tax adviser)
No seasoning requirements
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