Home | List of Articles | Submit an Article | Contact Us

How to Get a New Kitchen

Do you want to improve the look of your home? Have you thought of adding value to your home with a brand new kitchen?

The thought of home improvements, like a new kitchen, can be lingering thoughts. Projects like these can be expensive endeavors when most of us do not have the additional funds sitting in a bank account screaming for you to spend.

Maybe it’s time you consider a Home Improvement Loan. You may have heard different terms like Home Equity Line of Credit (HELOC) or Line of Credit. A HELOC could be the easiest and cheapest way to make improvements to your home and have your dreams become a reality.

A HELOC offers a low interest rate, usually tied to the prime rate and a low monthly payment, secured by your home. As the home owner, it frees you up to do whatever improvements you want on your home or property.

With a HELOC, you can have up to 100% of your home’s value available to you for improvements, rehabbing and life’s unplanned emergencies. You only pay for what you spend leaving funds available for other projects and/or emergencies. The loans are typically repaid over a 10 year amortization schedule.

A mortgage lender can better provide details and current rate information. Your available income, credit score and equity in your home will play a part in determining your rate and ability to qualify for different program options. Your lender will also be able to explain to you any tax savings and other advantages the loan may have for you.

A HELOC can help you with: getting that new kitchen, remodeling a bathroom, building a home addition, buying new furniture, landscaping in the Spring, and so on. What you spend your money on is entirely up to you.

Remember, financing shouldn’t be the most difficult part of getting that new kitchen you’re dreaming of! With a simple Home Improvement Loan, you’ll be on your way to harder decisions- like picking out the new cabinets and light fixtures!

About The Author

Kimberly Shallenberger-Cameron currently manages the STLagent Team of Real Estate Consultants in St Louis, MO. Her website is http://www.stlagent.com, where she publishes the St Louis Real Estate Blog.

Kimberly also moderates the St Louis Community Forum Message Board at: http://www.stlagent.com/forum

This article was posted on March 11, 2005

Related Articles:

Recipes From Around the World Right in Your Kitchen - One of the most enjoyable parts of travel is to taste the foods that are indigenous to different countries and cultures. If you judge Mexican food by local restaurants you would miss the incredible variety of moles for Oaxaca, for example. The stews of Hunan province are not served in Chinese restaurants and African food is hard to f ...

Recycle Kitchen Wastes Using a Home Worm Bin - Recycling your kitchen wastes using a home worm bin is an easy, ecologically sound way to dispose of kitchen wastes. Just think about how much water is used every day when you wash garbage down the garbage disposal in your sink! Besides saving water, a worm bin produces an organic compost that can be used instead of chemical fertilizers in ...

Remodeling Your Kitchen - Remodeling a kitchen is one of the best investments a homeowner can make. For most homeowners it is the most important room in the house. It is used for cooking, eating, and gathering, and is typically a focal point in the home. Consequently, though a great investment, a kitchen-remodeling project can be very disruptive to the family. And the lengt ...

Remodeling Your Kitchen Cabinets - While remodeling your kitchen, install only the essential cabinets, so you can spend on quality rather than quantity. Look for durability, and specify plywood panels rather than particleboard. Laminate is economical but still can look classy in a patterned finish or trimmed with wood edging. You should put your money into the hardest-working ...

Rooster Decor: Give Your Kitchen Something to Crow About! - Longing to have a touch of the country life in your home? Consider using a rooster, one of the main centerpieces of what is known as French Country décor, as a theme in your kitchen. This is a style that many designers and homeowners use in their decorating plans, especially for kitchens. If you want to start small, think about creating a few su ...

Save Time in the Kitchen - Cook Pasta the Way Restaurant Chefs Do - Have you ever wondered how a restaurant can get a dish of pasta to your table in about four minutes when you know it takes ten minutes just to cook the pasta? Does the water on their stoves boil at a higher temperature than the water on yours? Do they know a trick that you don't? As a matter of fact, they do. They parboil, or partially pre ...

Saving Energy in the Kitchen - Saving Energy in the Kitchen (312 words) The kitchen, with all its appliances, gadgets and heat, is a real hotspot for potential energy saving. As the oven uses the most energy and creates a vast amount of heat while cooking foods, it is a good place to start. For instance, when baking cookies use two trays. While one is in the ov ...

For a Complete list of Articles with summaries Click Here