Adding a sunroom is one of the most affordable ways to increase the space in your home, add to your home’s value, and create a place for entertainment and function. But even though it’s a cost-effective project, finding the funds to complete a project is always tricky.
HFS Financial is always here to help with home improvement project financing. Financing a fabulous sunroom as an addition to your home through HFS Financial ensures you can afford quality materials and contractors to bring your vision to life.
Types of Financing
So, what type of loan is right for your project? Here are a few things to think about.
Home Equity Loans
Home equity loans are loans you will take out against the equity in your home. So your home is put on the line to ensure the loan is paid for. This can be dangerous should anything ever happen to cause you to be unable to pay the loan.
They do offer lower interest rates than credit cards, though, and are an accessible option through your mortgage company. But there are better options for your project.
Credit Cards
You could also put the entire project on a credit card if that suits you. While we definitely don’t know if this is the smartest option for a larger project like a sunroom, it is still an option.
The interest rates on credit cards are usually as high as legally allowed. This means you will be paying so much more for your sunroom than you originally thought.
Personal Loans
A personal loan is a loan made directly to you, the customer. This type of loan has a fixed interest rate that is nowhere near as high as a credit card and won’t put your home in jeopardy. And this is the best option when you want financing that you are in complete control of.
How Financing a Sunroom with HFS Works
With HFS Financial, you only need 60 seconds to inquire about a home improvement loan. We’ll keep your information protected as our expert financial consultants assist you in finding the perfect loan for your project. Getting the right loan for your project is easy, quick, and secure. We only deal with personal loans, so you don’t need to put your home on the line as you do with other loan options. These personal loans also allow you to get your money sent to you when you need it.
Things to Consider When Financing Your Sunroom
When you are ready to take the plunge and finance your sunroom with HFS Financial, you will want to have some ballpark numbers in mind. We have a few tips to ensure you get exactly what you want with your new project.
Three-Season Sunroom or Four?
There are two kinds of sunrooms. You can have a three-season sunroom, which is usually enclosed with screens. These are mainly enjoyed in the spring, summer, and fall.
A four-season sunroom is typically walled with glass windows and is equipped with heating and air for year-round use.
Think about your local weather and climate. This will help you to decide which option is best for you.
Adding Enjoyment
We could all use a little more sunshine in our lives. With a sunroom, you can enjoy beautiful weather every day, even when it rains.
Who wouldn’t want to curl up with a good book and coffee to watch the storm? Or enjoy the warm spring breeze while watching the game in your new sunroom entertainment area. With a sunroom, the possibilities are endless. You can:
- Create a playroom
- Set up for a guest room
- Design a breakfast nook
- Entertain dinner parties
- Build a reading area
- Create a TV room
- Add a home gym
Start exploring these ideas and so many more! Once you’ve decided on the primary purposes for your room, you can begin constructing your dream for your home — building it to meet all of your needs.
Start Building Your Sunroom with HFS Finacial Today!
Are you ready to start creating your perfect space? Contact HFS Financial and let us see what we can do for you. Your ideal sunroom awaits. With HFS Financial, “You Dream It, We Finance It.”