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Your home project funding options are ready
Loans, grants and smart planning for the work your home needs.
Free to compare
Loans, grants and other ways to pay
No obligation
Look first, decide later
Takes a few minutes. Start with the options below.
1 Our top pick
Home Improvement Loans
Ways to pay for bigger projects
✓ Government-backed loan programs
✓ Home equity vs. personal loans
✓ What lenders look at
2
Home Energy Grants
Help paying for solar and efficiency upgrades
✓ Programs for solar, insulation, windows and heating
✓ Who usually qualifies
✓ Upgrades that can lower monthly bills
3
Home Remodeling Services
Kitchens, baths and whole-room updates
✓ Ways to find reliable remodelers
✓ Compare bids line by line
✓ Set the budget before demolition starts
Our top choice for home project funding
Most popular on HomeGuidePlan
Home Improvement Loans
Ways to pay for bigger projects
✓ Government-backed loan programs
✓ Home equity vs. personal loans
✓ What lenders look at
✦ Start comparing ways to pay
Before you sign a contract, know how you’ll pay for it. Compare loans and grants side by side.
Comparing your options helps you:
- Borrow less: grants and rebates can cover part of the cost
- Pay less interest: rates and terms vary by lender and loan type
- Keep your budget steady: know the monthly payment up front
- Size the project: match the funding to the job
Why it pays to compare
Home equity loans, personal loans and government programs all work differently. Comparing lets you:
- See rates and terms side by side
- Check which government programs you may qualify for
- Find energy grants that lower the total
- Avoid borrowing more than the job needs
Quick tip: Get your contractor estimates first, then shop for funding. Lenders and programs will ask for them.
What to look at before you borrow
On any loan offer, check:
- APR: the full yearly cost, including fees
- Term: how many years you’ll be paying
- Monthly payment: what fits your budget
- Collateral: whether your home secures the loan
Programs worth asking about:
- Government-backed home improvement loans
- State and utility rebates for solar and efficiency
- Weatherization assistance
- Repair loans and grants for older homeowners
✦ Ways to lower the cost
- Apply for grants and rebates before you borrow
- Compare at least three loan offers
- Pick the shortest term you can afford
- Phase big projects over time
Not sure where to start?
Need to borrow? Start with home improvement loans. Adding solar or efficiency upgrades? Check the energy grants first. Still sizing the project? Look at remodeling.
✓ Free to read and compare
✓ No account needed to look around
FAQs
What credit score do I need for a home improvement loan?
It depends on the loan. Some government-backed programs accept lower scores than personal loans do.
Do I pay tax on an energy grant?
It depends on the program. Check with a tax professional.
Home equity loan or personal loan?
Home equity loans often have lower rates but use your home as collateral. Personal loans don’t.
Can I use a grant and a loan together?
Often, yes. Many homeowners use a grant for part of the cost and finance the rest.
Advertising Disclosure
HomeGuidePlan is a free online resource that aims to offer helpful content and comparison features to our visitors. We receive advertising compensation from some of the companies that appear on this site, which may affect where and in what order those companies and their products are shown. Company listings on this page do not imply endorsement, and we do not feature every provider or offer on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information on this page are disclaimed. Information on this site, including rates and pricing, can change at any time and varies by provider and state. HomeGuidePlan is not an insurance company, agent, lender or contractor.