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5 Ways To Finance Your Backyard Remodel - Finnegan Pierson - Blog

5 Ways To Finance Your Backyard Remodel

Summertime means spending hours hanging out in the backyard. To make the most out of this experience, you need an open and relaxing space. Just cutting the grass and putting up a few lawn chairs will not suffice.  A true backyard paradise also includes a deck, a patio and a pool.

Of course, an extensive remodel can be quite expensive. Depending on your location and the extent of the changes, you could spend $13,000 on landscaping alone. A full patio, meanwhile, could set you back $50,000.

Thankfully, there are ways to finance swimming pools and other backyard additions. This will let you pay for the renovations over time. Here are five financing options available for yard remodels.

  1. Credit Card

Whenever you want or need to make a major purchase, you probably reach for the credit card. If your card offers rewards programs, you can finance your renovation while earning points towards your next flight or hotel.

However, financing your backyard remodel with a credit card comes with some downsides. Cards frequently have high interest rates that could make your project even more expensive.

  1. Builder's Financing Plan

Some contractors offer financing options for their customers. Of course, the quality of these financing programs can vary. Some builders require an extra surcharge for this service. Others may ask for a cash deposit. You may also have to delay your project while you wait for the contractor to approve your financing plan. Look for contractors who provide multiple financing options with minimal fees and a quick approval process.

  1. Personal Loan

If the contractor does not offer financing, talk to a lending company, credit union or bank about a personal loan. The lender will likely check your income and credit score to see if you are eligible. You may also have to secure your loan with some form of collateral.

As with a credit cards, personal loans usually require interest payments that are not tax-deductible. However, if you have decent credit, the interest rates could be fairly low.     

Best of all, applying for a personal loan is pretty easy and requires minimal paperwork. If you are approved, you should get your money quickly, as well. This option is best for those with high credit scores and great cash flow. While you can use a personal loan for any purpose, it is ideal for smaller backyard renovation projects. You should definitely consider a personal loan if you just bought your home and have minimal equity in it.

  1. Mortgage Refinancing

If you are planning a larger backyard project, you can refinance your home mortgage to get additional money. You will likely have to use your home as collateral. However, the refinancing process could lower your monthly mortgage payments. This is a particularly great option if interest rates are lower than they were when you first bought the property.

  1. Home Improvement Loan

A home improvement loan, also called a home equity line of credit or HELOC, is a loan where you borrow from the equity in your house. You can typically get a home improvement loan from a credit union or bank. The lender will provide a revolving line of credit that you can borrow from for up to 10 years. You usually have 15 years to pay back the loan along with any interest.

The interest rates are usually tax deductible. They may vary over time, but they are typically lower than credit card interest rates are. You may also have to pay certain fees when you first open the line of credit.

A HELOC makes it easy to track how much you spend on your home improvement project. If you decide to sell your property in the future, a realtor can access this data and use your upgrades as key selling points.  

Do not let a lack of funds stop you from getting the backyard of your dreams. By choosing any of the above financing options, you can make your new pool, deck or patio fit within your budget.

Publish Date: July 14, 2021 11:56 PM

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