Home Improvement in Central New Jersey


One of the most exciting aspects of owning a home is the opportunity to fix it up to reflect your style. By continually making upgrades, the value of your investment will go up.

From day one, you’ve probably been dreaming about adding that new deck, updating the kitchen or bathroom, or installing contemporary fixtures to replace the outdated ones. With all the home improvement television shows and websites out there, it sometimes might feel like you have too many options.

The important part is to go with a design that is both timeless and suits your style. Afterall, you are the one that is going to be enjoying the upgrades every day. This will come as no surprise to homeowners, but home improvement projects are costly and most people do not have the cash lying around to pay for such a big expense. Fortunately, there are less expensive upgrades you can make that will go a long way and when you are ready for the big upgrade, there are ways to finance even if you do not have the cash upfront.

Ways To Fund Major Home Improvement Projects

One option for homeowners to fund major home improvement projects is to refinance the mortgage. It may be that you would benefit from refinancing to a lower interest rate anyway. However, if you already have a good mortgage, you can look into getting a home equity line of credit.

With these loans, you must pay the minimum monthly payment, but you can take out money as needed and pay it back as you can. Another option is a home equity loan, where you borrow a fixed amount of money and pay a fixed amount over a certain amount of time.

If you are thinking about a huge project, like a knock-down and rebuild or a new addition then getting a construction loan may be your best bet. Lastly, simply getting a credit card can help homeowners get through smaller projects. Talk to your bankers, like these at Pinnacle Federal Credit Union in Edison NJ, to discuss the best option for you based on the size of your project.

Small Projects that Do Wonders

While you are waiting on that loan for the kitchen remodel, or if you’ve decided to wait a year or two before you undergo a huge project, there are small upgrades that will speak volumes to “wow” your guests.

Consider putting a fresh coat of paint on the living room or touching up the baseboards to give the room a clean and refreshed appeal. If your home is older, it may be time to simply install new windows or doors, through a source like this Pella windows and doors showroom in Parsippany, NJ.

Give your front entrance a facelift by painting the door a bright color. If you aren’t ready to do an entire makeover, update small details like doorknobs, faucets, light switch plates, cabinet hardware, crown molding. These small improvements will make a huge difference until you can get your ducks in a row for the major project.

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