Finance home renovation can be a daunting task, but there are a few easy ways to get started. One way is to take out a home equity loan. This will allow you to use the equity in your home to help finance your project. You can also look into getting a personal loan or borrowing through a credit union. Both of these options will have terms and conditions that you need to be aware of, but they are both relatively simple processes to go through.
If you have bad credit, consider looking into government-backed programs like USDA Home Loan Guaranty or FHA 203k Loans. These programs offer lower interest rates and require less documentation than traditional loans, making them more accessible for those who may not qualify for other types of financing.
Another option is to use a home equity line of credit (HELOC). This type of loan allows consumers to borrow up to 95% of the value of their homes.