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Small Home Improvement Program

Your favorite home improvement store might offer a credit card with 0% financing for six to 24 months, depending on how much you spend or what type of project you’re doing. Getting approved for a new credit card is faster and easier than getting approved for a mortgage and comes with no closing costs. A home equity line of credit can be a good choice if you’re doing a series of smaller home improvement projects that you don’t need to pay for all at once. It’s also a second mortgage, so your home will serve as collateral. It will have a variable interest rate, so you’ll need to plan for fluctuations in monthly payments. A home equity loan might be right for you if you want to borrow a lump sum but won’t benefit from refinancing.

Take advantage of the predictable weather, but be smart about …