Integrated Family Community Services 3370 South Irving Street, Englewood, CO 80110-1816 Ph: 303-789-0501

3 Options for Funding Your Kitchen Renovation

Renovating your kitchen and giving it a whole new look can be exciting. However, while it is exciting, it can also be difficult if you are low on funds. Remodeling your kitchen can become very expensive—even if you do it yourself. You may be wondering how you can find the funds to make your dream kitchen the way you want it. Here are just a few options you should consider.

Secured Loans

Many individuals turn to secured loans in order to finance their kitchen remodeling project. This is an especially appealing option if you have more than $30,000 in home equity. Avenues for a secured loan include such options as a home equity line of credit (HELOC), a cash-out refinance, or a run-of-the-mill home equity loan. All of these options will use your home’s equity as collateral. It is important to remember that this is like any other standard home mortgage, meaning you will have monthly payments with interest. You need to make sure you have a solid income stream in order to consider this option because interest rates will make your life difficult otherwise.

Unsecured Loans

Unsecured loans are based completely on your own credit and reputation. This means that other than your personal credit score, you do not have as much on the line. Unsecured loans don’t use your home as collateral, allowing you to maintain the equity in your home. However, you still should make sure you do not default because your lender still has some ways to come after you. The lending institution could place a lien on your assets, for example. Your loan amount will also often be smaller, while your interest rate will usually be higher.

Family and Friends

You can also borrow money from family or friends. One advantage of this option is that they may not even charge you any interest at all. If they do, it probably will not be as high as a standard financial institution. However, it is imperative that you make sure you pay off any loans from your family members or friends. This is one of the easiest ways to create hard feelings or even end a relationship. A better option might be getting some financial counseling from a third party that is not part of your family or friend group to get help figuring out the best option for getting the funds.

As you can see, there are several options out there to finance your kitchen remodel if you don’t have the funds right away. Besides the three listed above, you can also consider grants or maybe even look at some low-income government options. Either way, you will definitely be able to find a way to make your home look better!

If you or your family are struggling with funds, we are here to help. Check out our assistance programs!

Tim Esterdahl

Tim Esterdahl is the editor of IFCS blog. He is a married father of three and enjoys golf in his spare time.
Tim Esterdahl

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Food Insecurity - The USDA defines it as a state in which “consistent access to adequate food is limited by a lack of money and other resources… A household is food insecure if, in the previous year, they experienced limited or uncertain availability of nutritionally adequate foods.”

According to Feeding America, food insecurity is a problem. Almost 28,000 Douglas and 75,000 Arapahoe County residents (1 in 7 Coloradans) face this issue.

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