The Advantage Of A Secured Home Improvement Loan

If you’re thinking about making minor upgrades or improvements to your home and you can handle the expense from your income or savings, you shouldn’t concern yourself with taking out a loan. But, if your home improvement project is large enough to consider it a home renovation, you may not be able to complete the project without financial assistance. As a homeowner, you might want to consider the advantage of a secured home improvement loan.

The first thing you should compare before choosing any home improvement loan are the interest rates. The main advantage of a secured home improvement loan is the interest rate, which tends to be lower than an unsecured loan. Secured home improvement loans are backed, or secured, with the homeowner’s property and the equity in your home determines the amount of the loan.

Interest rates can vary widely since many lenders in the financial market now offer secured home improvement loans. Many potential lenders offer websites to apply for a loan online. This may save you the stress of having to meet the lenders personally. You can fill out the application online. Most lenders have a quick response time and this will allow you to compare the interest rates of a number of lenders in a short amount of time.

Keep in mind that secured home improvement loans are generally approved for a specific use. Any approved loan money spent that doesn’t appear to be related to the original loan purpose stated may cause you to receive a substantial penalty. Due to the special purpose requirement of many secured home improvement loans, your lender may ask you to give detailed documentation about the projects for home improvement that will take place. Lenders are more likely to approve projects that will increase the value of the property which, in turn, increases the equity on your home. Any increase on the value of the property being used to secure the loan will increase the value of the asset backing the loan and that’s mutually beneficial to both the homeowner and the lender.

As long as you have specific home improvement projects in mind, the advantage of a secured home improvement loan outweighs the annoyance of keeping detailed records of your expenditures. If you are unsure about the exact financial requirement of your home improvement project, have an architect or other professional estimate your financial need. They can help you calculate the amount of money you will need before applying for a secured home improvement loan.

How To Promote A Home Improvement Business

Home improvement businesses face a unique challenge in marketing themselves to potential customers.

Businesses offering services like loft conversions, double glazing, conservatories, landscaping, kitchens and bathrooms face widespread competition, some of it from larger retailers which can offer low prices thanks to greater economies of scale.

At the other end of the market, less reputable businesses can damage the reputation of the home improvement sector through poor workmanship or unethical marketing practices like cold calling.

Marketing channels available to home improvement businesses are often costly and hard to measure, such as local press or phone directory advertising.

Yet the effort in marketing can be worthwhile, with a typically high average spend per successful order. So how can a home improvement business stand out from the crowd, whilst achieving a good return on its marketing investment?

Direct marketing tools and methods can often offer the answer. Because it’s more measurable than other marketing methods, direct marketing is more measurable and it can be targeted more closely to those potential consumers most likely to buy your home improvement services.

Here are some of the ways in which direct marketing can help:

1. Planning

Before any direct marketing campaign you have to carry out some planning. For a home improvement business this can involve analysing your existing customers to see what they have in common. Using tools like Easycheck list profiling software (www.selectabase.co.uk/i-have-a-list/easycheck) you can discover more about your customer’s interests, likes, dislikes and lifestyle just from their postcode. Also look at there they are based and what type of home they live in, to help identify potential markets.

Once you’ve analysed your existing customers you can put them into different groups, or segments, and then prioritise which groups are of most importance to you.

For example, if you are a landscaper, you might want to target properties in local areas that you know have larger sized gardens. Double glazing companies may want to target homeowners in coastal or exposed areas, where their properties are more likely to suffer from the elements. Loft conversion or conservatory companies could target growing families likely to need more living space.

2. Direct Mail

Once you’ve identified your target segment, or segments, you can source lists of more people of the same type.

There are numerous reputable mailing lists available that you can select data from. For example the Consumer Profiles list (www.selectabase.co.uk/lists/consumer/) which allows you to target potential customers by lifestyle, Silver Prospects (www.selectabase.co.uk/ppc/grey-market-silver-prospects-list.aspx) is a specialist list of retired older people, and Recently Moved (www.selectabase.co.uk/recentlymoved/) provides a monthly list of people who’ve just moved into your local area.

Mail these lists with a good quality mailer, personalised to each person, explaining clearly why you are approaching them and the benefits of what you have to offer; price, service, testimonials, knowledge etc. Include a clear call to action and offer a no hassle free quotation.

Mailings can also be used successfully to drive traffic to your website, where people can see more about your business and obtain a quote online.

3. Telemarketing

Unsolicited telemarketing, or cold calling as its also known, has done much to tarnish the reputation of the home improvement industry.

However if you have your own list of leads, enquiries or prospects that you plan to phone, you can do so as long as you check each number first to see if it is registered with the Telephone Preference Service. You can check numbers as you go using an online service like www.selectabase.co.uk/1check/ or you can clean your list each month using software like Easycheck.

Also, it is completely acceptable to follow up a mailing to a rented list with a brief courtesy call asking if the homeowner received the information and if it was of interest. If it’s bought from a reputable source, your list will have been screened against the TPS just before you buy it.

It’s worth spending time briefing the person who makes the call to make sure they have good product knowledge and know how they should represent your business.

Summary
In summary, direct marketing methods provide great opportunities for home improvement businesses to identify and target relevant potential customers on an individual basis, without the interference of competitor’s messages that you find with press advertising.

Results can be measured precisely, and the results used to guide future mailings or campaigns. And if direct marketing is carried out in a high quality and reputable way, consumers will see that your home improvement business is going to provide a high quality service.

Home Improvement Tips To Help Sell Your Home

If you are a total layperson as far as home improvement is concerned, then you should hire help or enlist friends if you’re tackling areas where it does make a difference how you get the job done. Simple home improvement projects like painting can be attempted by everyone as the worst you can do is a patchy job that can be painted over.

Have Realistic Time, Money and Expertise Expectations – If you want to replicate a room that you have seen on Trading Spaces or Design on a Dime, get the inspiration but keep your expectations in check.

The people behind the work in such shows are experts; professionals in their field with years of experience. They can do things faster and better than an average person and if things go wrong, they also know how to make them right. When planning home improvement projects, keep your expectations real as far as budget and time considerations go as well.

The designers on the show often get great discounts from others in the business as they need the promotion on popular television shows. Plus, they often accessorize rooms with flea market finds and things picked up at garage sales. You could strike gold too, but it doesn’t happen very often.

Home improvement shows boast of the latest faux paint techniques and the hottest colors for the season. However, the green you like for your master bedroom may not appeal to prospective homeowners. If you do have hot pink bedroom walls for your daughter, tone them down or make them neutral as well. This is because new owners may not have a daughter who will use that room and they may want to move in to something that requires minimum effort.

The designers on the show are experts themselves plus they have a lot of help from back up crew and the like so they can delegate tasks and get more done in less time.

What You Can Do On Your Own – There are things shown on home improvement shows that you can easily replicate like rearranging your furniture, de-cluttering and even painting so don’t give up a home improvement project just because you can’t compete with the pros. However, assess your strengths and keep a plan B in mind. For instance, while you are redoing your kitchen, factor in the cost of eating out for all the days that the floor is ripped out and the appliances unusable.

Go through the entire home and toss, donate or store anything you do not need immediately. This will free up walking space, wall space, counter space and the like and prospective owners will feel they are getting more footage for their dollar. If there are pieces you can not part with, hold them in a separate storage area not your garage or basement. Then if you still feel they are important, bring them back in your new home.

Add Worth To Your Project With The Help Of Best Home Improvement Contractors In Austintown Oh

Being a homeowner,if you seem to be driven by the desire of giving your home a bit of makeover now and then, it is nothing unnatural. As the famous saying goes home is where the heart is; it is quite natural for homeowners to add a a new look and feel to the house making way for a grand living experience. When home improvement is a concern, all you need to ensure is working out your options with the help of home improvement contractors in Austintown, OH. This would not only help you to be sure about understanding what would work for your home at best, but also assist in finding out a suitable contractor who would understand and cater to your needs perfectly.

Implementing New Add-Ons to your House

Whether it is the deck or a patio, the worth of these can hardly be ignored with regard to a home improvement project. If you are considering taking up a home remodeling plan, you should always opt for building a deck or a patio to add a unique appeal and exclusive worth to your house. Whether it is a summer barbecue or a bonfire in the fall,the best things in life are enjoyed wonderfully at the deck or a patio in your home? What more? You can also plan any outdoor activity with family or friends at the deck or patio with minimum effort.

To ensure offering the best ambiance for outdoor activities, you should always ensure getting in touch with specialized and experienced deck and patio builders in Mahoning County, OH and other regions. This way, you can be sure of giving shape to your dream and execute your plans at best with minimum effort and hassle. Additionally, you can also be sure of designing the deck or patio in a way you would like. The professionals in Ohio offer wonderful customized solutions that let you work on your dream project with ease.

Hiring a Professional for the Task : What Makes the Difference

When it comes to hiring the service of you should ensure making a wise choice. You should understand that designing or building deck and patios to give your house is not an easy task and should be attended carefully. Hiring a novice for the task won’t help you get the desired results. Therefore, you should make it a point to work with none, but the professionals in the field.

Here is a quick look at some of the key attributes that you should keep in mind while hiring the service of deck and patio builders in Mahoning County, OH or in Austintown -

Always ensure working with specialized and experienced professionals
Make sure that the contractor is licensed and adheres to the state regulations while taking up the job
Always choose a professional who can give you best results within a short time-frame and affordable costs

Keeping these key aspects in mind while hiring the service of home improvement contractors in Austintown, OH will certainly help you make a difference to the project and add to the worth of the same most effortlessly.

6 Advices On Home Remodeling Additions In Madison

Home renovation is one of the major things that families do to keep their house clean, safe and will suit their everyday needs. Re-modelling the house is a big but well-planned decision. It will pay-off in the long run. When you do home renovation, you will add something that will increase the value of your home.

Home renovation is one of the major things that families do to keep their house clean, safe and will suit their everyday needs. Re-modelling the house is a big but well-planned decision. It will pay-off in the long run. When you do home renovation, you will add something that will increase the value of your home.

1.Make a wish list. Before you jump into a decision of remodelling your home, you should start to do a wish list. In the list, you can write about the problems you need to solve during the project like if you need more space on the kitchen. You can also list down the goals you want to achieve like better outdoor access to your entertainment room. If you are done with the list, rank them according to your priority. You can help the professional contractors, like the one who offer home additions in Madison, to plan accordingly for stuff like plumbing and location.

2.Check the property rules. There are things you need to take into consideration when doing home remodelling. First, you have to check the legal restrictions of what you can do or built on your property area. Most of the cities today have restrictions when it comes to property lines, building area ratios and even the historic -district prevention rules.

3.Be positive on your plans. You should always open to any new possibilities. If you hire company that offers home remodelling, then they will recommend some additions to your home. A good example of this is deck additions in Madison. They will add a new deck so you will have a better view of the property.

4.Check on the available space. If you decided to add something to your house, make sure that you are ready to relocate some rooms to new space so you will be able to give way to additional space for your chosen home addition like bathroom. There are companies like bath additions in Madison who offer this service so you won’t have to stress yourself with lots of preparation. Find out all your options that will definitely meet your home addition.

5.Choose materials wisely. Materials are important because it will help your home stay strong and safe over time. Example is a siding that matches your deck. Choose materials that are the same vintage and tonal range but with a little difference on texture. You can look for companies in Madison bath additions that will help you to choose materials for your bathroom addition.

6.Be detailed as much as possible. Tell your contractors what you really want to achieve and what are the things that will make you happy to see inside the house. You can look for companies in that will help you to choose the design and structure for your new bathroom.

You should always maximize your investment by choosing the best reliable home renovation contractors, perfect materials, detailed plans and the passion to renovate your home. Now, read some tips to execute your plan!