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concentrating on the lenders that are likeliest to provide the type of loan you want. Whether you hire a contractor or take on the work yourself, begin with an accurate estimate of what the project will cost.
Lenders will insist on a specific figure before they work with you. Once you know how much you need, how much will you get?
One or two late payments or overdrawn credit cards probably won't knock you out of the game, but you might end up with a higher interest rate and a smaller loan.
To determine the loan amount, lenders use the loan-to-value ratio (LTV), which is a percentage of the appraisal value of your home.
The usual limit is 80 percent—or $100,000 for a $125,000 home (.805125,000).
Lenders subtract the mortgage balance from that amount to arrive at the maximum you can borrow.
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