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What kind of loan can I get for home improvement without my house being used as collateral

We need a complete bathroom remodel, new windows, a door and garage doors and some minor things like painting my kitchen cabinets. The windows, garage doors are from the last hurricane and we didn’t have insurance and it’s just been hard to pay out of pocket for all the improvement. My husband is a 100% permanent and total disabled and a veteran . We make pretty decent money but have my daughter and 4 children living with us and it’s been hard to come up with the money.

7 Answers

Should we walk away over a $125K structural repair the seller won't credit?

We're under contract at $3.3M and inspection found bad cracking in the foundation wall, so we brought in a structural engineer who said it's some of the worst hairline-to-major cracking he's seen and wants every basement wall stripped to fix it right, even the finished ones. Estimate came back at $125K. We signed as-is but assumed structural problems were the one exception, and the sellers said no credit at all. We close in three weeks and my husband thinks we should just walk.

14 Answers

How do you price a rural property with zero recent comps?

Were getting ready to list a remote rural property next spring, and theres been almost no sales in our valley since 2020. Part of the land falls under the Agricultural Land Reserve, so Im not sure what even counts as a comp. Is it too early to start pricing this, or should we just wait for a real listing agent?

6 Answers

Is a conservation easement the right way to protect a small lot from development?

My mother owns two adjoining lots, one of which serves solely as a yard beneath a mature tree. I would like to ensure it can never be developed, and have been researching conservation easements, though I suspect the parcel is too small to qualify. What alternatives exist for permanently restricting development on a modest lot?

5 Answers

Is this seller-financed offer on my Big Bear lodge actually fair?

I own a nine unit boutique lodge in Big Bear and an investor offered $1,200,000, my asking price, but wants seller financing with $650,000 down and the rest carried by me, secured and personally guaranteed. I still owe $550k on my own mortgage, which feels messy already. Ive never done seller financing before, my buddy did one that went sideways after two years, and Im more nervous about the fine print than the price itself. Is this normal or am I being set up somehow?

7 Answers

How do I handle negotiations when I have multiple offers above the asking price?

We listed our home in a competitive suburban market last weekend and received four offers within 48 hours. Most are over the list price, but some have contingencies while others are all-cash. I am unsure how to push for the best terms without scaring off the most serious buyers or creating a bidding war that might fall through during the appraisal process.

Asked by David | 09-12-2026 | 49 Views | Selling | Updated 1 month ago

14 Answers

Do appraisers weigh square footage more than how recent the comps are?

Were under contract on a house thats about 3000 sq ft but the only recent comps in the area are more like 5000 sq ft with way more bedrooms and baths. Will the appraiser have to go back more than 6 months to find something our size, or will they just use the bigger homes as comps anyway?

10 Answers

I want to buy a trailer house in Redding California

I live in Lake Havasu City AZ. Want to buy trailer house for my sister and her son to live in

10 Answers

there's this house in foreclosure i would like to know have would i have to do to get it back

There's this house in lauderhill fl 33313 and i use to live there and i want it back but its in foreclosure what would i have to do to get it back in my name and out of foreclosure

9 Answers

How can I cut my South Florida home insurance with a wind mitigation and 4-point inspection?

Hey all, new here. 1988 house in Boynton Beach, insurance just renewed at $6,900 and I'm trying to get it down.nnMy broker mentioned a wind mitigation and a 4-point inspection. Which one actually lowers the premium, and what on it matters most, roof age, straps, windows? Worth fixing anything before the inspector shows up?

7 Answers