Consumers Digest - I want to get a home improvement loan?

I want to get a home improvement loan?

I have a title to my house that i want to put up on the loan. what is the best way to go?

Go to the bank where you have your checking account and discuss the rates for a Home Improvement loan or a Home Equity Loan. See which one gives you the best deal.
If you have equity in the house, talk to a bank about an Home Equity Loan or an Home Equity Line of Credit.
Make an appointment with your bank. Ask if it would be better to finance the home or just take a home equity loan. Refinancing has heavy closing costs - keep this in mind. Some people don't look at the total cost of pay back on a loan. After you understand your options. Go to bankrate.com and click on mortgages and Helocs And find a couple of good banks to get quotes from. /
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