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Projects that pay off.

Whether you’re getting ready to list your property or planning to stay in your home for the long haul, chances are you have at least one home improvement project on your to-do list. But before you head to the hardware store or start knocking down walls, we checked out some research from HGTV to ensure you get back at least what you put in–financially speaking. 

When it comes to upgrades, they don’t always have to be major to make a major difference. For example, you can pull off a minor bathroom remodel by simply adding a fresh coat of paint or upgrade your curb appeal by investing in a new walkway or water fountain. Those small changes come with big rewards. According to HGTV you should get a 102% return on that bathroom update and a 100% return on your landscaping improvements.

But a new coat of paint won’t fix every space. If you’re on the fence about where to start with your home improvement project, consider this: HGTV found that a minor kitchen remodel (and by minor we mean in the neighborhood of $15,000) could return at a rate of about 98.5% at resale. Changing out your countertops, purchasing a new wall oven, replacing the sink and fixtures and re-facing the cabinets and drawers can make the heart of your home feel brand new without any major structural or layout changes.

Exterior improvements (like siding, paint and an updated entryway) have a 95.5% return. One of the best investments as far as upgrades go is fiber-cement siding (think HardiePlank). It yields a 103.6% return.

Rounding out the top five list of home improvement projects to maximize your investment–an attic bedroom conversion. The average return on that upgrade is 93.5%. An added bonus: if you add attic insulation it could lower your utility bills.

Ready to start picking out paint and meeting with contractors? There’s one really important step you need to take before you kick off your project: figuring out how you’re going to cover the cost. That’s where United Community Mortgage Services comes in. Our Construction Renovation loan lets you finance your home improvements, along with your home, with one simple closing. Whether you’re looking to buy a fixer upper or refinance and upgrade your current home, our team of local lending experts is here to help you decide whether a Construction Renovation loan is the right mortgage option for you.