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There are ways to finance your project so you don't have to put your dreams on hold!
No monthly interest if balance is paid in full within 18 months (26.99% APR impossed on total financed amount, from the date of purchase, if not paid within 18 months)
Fixed monthly pyments equal to 1.25% of purchase, until balance is paid in fulla
Fixed mothly payments equal to 2.00% of purchase, until balance is paid in full
Fixed mothly payments equal to 3.00% of purchase, until balance is paid in full
FHA Standard 203(k) Home Improvement
Insured by the Federal Housing Administration (FHA), the Standard 203(k) covers repairs of more than $35,000, including structural work. You can borrow funds to pay for upgrades, to reconstruct a home that is currently unlivable, or to tear down an existing structure and build a new one on some portion of the existing foundation. Allowable improvements include structural alterations and reconstruction, major landscaping, and site improvement.
FHA Limited 203(k) Home Improvement
Also insured by the Federal Housing Administration (FHA), the Limited 203(k) is designed for repairs costing less than $35,000. You can borrow funds to replace carpet, repaint, or buy new appliances. Structural work, landscaping, and luxury items like hot tubs and tennis courts are not allowable.
If you are a Servicemember or Veteran with a permanent and total service-connected disability, you may be entitled to a Specially Adapted Housing (SAH) grant or a Special Housing Adaptation (SHA) grant.
Visit their site for full details.