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Home Improvement Needs :: VA Home Improvement Loan
VA Home Improvement Loan:
What’s the Point of a VA Home Improvement Loan?
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What is a VA Home Improvement Loan?
A VA home improvement loan is a guaranteed loan which is offered to veterans and any of their surviving spouses, so long as they have not remarried. People tend to know that these loans are available to buy a house, but then they forget about it, which is a shame, as a VA home improvement loan is also available, no matter how long you have been in your home.
You may not want to move but your house may be in need of renovation; plus, you may not want to move but with an extending family, you may need to gain more space. A VA home improvement loan can help you to do all that.
Imagine – the kids are growing and you need more space; an extension or loft conversion would be great, wouldn’t it? Are you sick of high heating bills? Then replace your old doors and windows with double glazing or even storm windows and doors.
You’ll feel warmer, save money and be kind to the environment. That’s a triple whammy of a home improvement and an ideal thing to be spending your VA home improvement loan on.
A VA home improvement loan is obtained through an ordinary mortgage lender. It is simply that the Department for Veteran Affairs guarantees the loan.
You can borrow up to $6000 without any need to have your home’s value assessed. If you borrow less that $3000 the deal is even easier: just provide receipts of your home improvement costs.
If you borrow more, you just need to show how the home improvements will reduce your monthly bills, which is pretty easy. You can then offset the money you save in bills against the loan repayments. Smart, huh?
Make the Most of It
A VA home improvement loan is a great opportunity to live life more comfortably at home and to raise the value of your property, but many people fail to capitalize on the full potential of this opportunity.
You can use this money to save yourself money in the long run, by improving your windows and insulation, thus saving energy in your home. Install storm windows and doors; you won’t be paying for heat lost through drafts any longer.
You can even ‘go green’ with a VA home improvement loan, providing solar powered heating or air conditioning with the money from the loan. Change to more efficient thermostats on your heating.
With a VA home improvement loan you can easily afford to do that and you’ll be reaping the savings for ever after that. So, if you’ve done your bit for your country, let your country do its bit for you and take advantage of a VA home improvement loan.
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