The other choices on this list are geared toward debtors with specific needs, like quick funding , giant mortgage amounts , or versatile reimbursement terms . It additionally rewards good fee behavior with its LevelUp program, which allows you to earn a 0.5% interest rate low cost for each 12 months of on-time funds you make (up to 1.5% total). Overall, LightStream presents a number House & Home Improvement news of the best loan phrases and charges for big home improvement projects—if you might have the credit score to qualify. Even if you’re hiring a basic contractor, one other good way to save cash on bigger renovations is by doing the demolition your self. Just be certain to research beforehand, take the correct security precautions and wear the appropriate protecting gear.