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As a homeowner with a growing family, affording simple repairs may not be in the budget. Other than taking a second mortgage or borrowing from family, you may think that you are out of options. Even with poor credit, you get more information about obtaining a loan through bad credit lenders to make necessary repairs to your home to see what your options are.

5 Home Improvements You Can Make With A Small Bad Credit Loan

Update Flooring

As carpet and laminate undergo years of wear and tear, they become dingy and unpleasant to walk on. Updating the flooring in your home typically costs several thousands of dollars and is not an amount that most families have available. With a small home improvement loan, even with your bad credit, you can make the floors beautiful in your home again.

With the right type of flooring in your home for the climate, you may also be able to add energy efficiency to your home, which will reduce your utility costs.

Roof Repairs

The roof is often something that is neglected because it is not entirely seen. It can be damaged by storms and wears down over time. On average, roofs last about 15-years, depending on the materials used. This is a cost that average several thousand dollars, depending on the size of your home and the square footage to be covered in combination with the roofing materials selected.

Update Fixtures

As your style changes, so does the need to update your fixtures to match that design. Old fixtures also use more electricity than modern options. LED fixtures are ideal as the bulbs last an average of 20 years and consume very little electricity. These fixtures, however, can cost a few hundred dollars each depending on the style and size of the fixture.

Replace Windows

Replacing old windows is an important update to consider making in your home. Old windows are drafty and cause the HVAC system to work harder and run more often, raising heating and cooling costs. The cost per window varies depending on the size, glass type and features included. Taking a loan now to pay for windows and reaping the benefits of lower utilities is quite the trade-off that pays off for years to come.

Upgrade HVAC System

The HVAC system is one of the costliest systems in your home to maintain and replace. Regular maintenance helps these units last longer and run efficiently. Consider upgrading to a more efficient system or replacing an older system for lower utility costs. The average central air unit, for a home 1,200 square feet, is about $3,000. This does not include rerouting the duct work or cleaning the duct work.

Making home improvements does help your home become more efficient. If you have plans to sell the home, you are likely to get a return on your investment and come out ahead. Simple improvements can add a lot of value to a home. It can also increase the value of a home, which can help the property values in a neighborhood go up as well.


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