How to Find Great Free Home Improvement Catalogs

With entire television networks and multiple magazines dedicated to home improvement, it’s easy to see why home renovations are quickly becoming the fastest growing trend in North America.

Giant, big-box stores and smaller, specialty retailers are popping up all over and they all have their own catalogs. Whether you’re planning a one-room design idea, pricing tile or working on an estimate for a total house overhaul, free home improvement catalogs are a great way to get inspiration and price points for every project. Keep reading for five tips on how to find the best home improvement catalogs and how you can use them to help plan your next project.

1. Call your favorite manufacturers.

If you love your best friend’s new kitchen tile, ask who made it and call that company to request a copy of their latest catalog. They’ll gladly send it out to you along with the contact information for a local sales representative.

2. Ask at your local hardware store.

Because company reps visit home renovation retailers, they often drop off piles of free catalogs that are chock full of product information, prices and design ideas. Simply ask your local store clerk if they have any catalogs that you could take home to browse through. They’re happy to distribute them.

3. Search online.

Most manufacturers either make their full catalog available to browse online or they provide a simple order form that lets you request a mail-order copy of their free catalog right from your home office. You can also use the web to hunt down new companies and look for products you wouldn’t normally try. Check home improvement and design blogs for ideas on manufacturers to investigate.

4. Attend a home improvement “show.”

Attending a home improvement show or exposition is the best way to see a lot of products in one place and pick up hundreds of free home improvement catalogs. Most manufacturers set up booths with sales reps who can not only demo their available products, but also answer your questions. Their sales reps are happy to give out full catalogs along with their contact information for future sales.

5. Don’t forget the specialists.

Some companies do absolutely everything. Others are highly specialized and may only make designer faucets or unique drawer pulls. When building your home improvement catalog collection, remember to include the specialists. Take the time to at least glance through a few home improvement catalogs. They are packed with great ideas they may sway your ultimate do-it-yourself project decision.

Home Improvement On A Budget

You can make improvements to your home without busting the bank. You can even make the improvements yourself, just use an extra amount of care and go slow – two things that will serve you well when you’re doing your own home improvement projects.

For some specific ideas, how old are the lighting fixtures in your dining room or bathrooms? These are fixtures that most people live with and use each and every day but often ignore. Changing these lighting fixtures can make a huge difference in the appearance of your rooms.

Look around at home improvement stores and lighting stores to get an idea of the style that you’re looking for. While a lighting store may be priced higher than what you want to spend, it’s a great place to get ideas for lighting fixtures you may be able to find at less expense retailers later during your budget friendly home improvement project. If you have any second thoughts about the color of the lighting fixture, ask the sales associate to move the fixture to a part of the store that most resembles the level of lighting in the goal room.

Visiting upper scale lighting and home stores is a great place to “window” shop for the style you want for the goal room. When trying to plan home improvements on a budget, shopping around for deals is the first and most time consuming step.

Once you have finally settled on a style that will fit within your home decor and decided on the big purchase, you can move on to step two of your home improvement project on a budget; installation.

Local home improvement stores are constantly offering classes on electrical wiring and lighting installation. To save the most money during your budget wise home improvement project, wait for a class on fixture assembly and installation and install the units yourself.

Saving money while improving your home is all about cutting costs. If lighting fixtures are your current project, shop first, shop second and install last!

Home Improvement Loan – Tips and Answers About Home Improvement Loans

Remodeling areas of your home that are beginning to look dated is always a good idea but money is often the issue that needs to be addressed. unless you have a large sum of money in savings you will need to arrange a home improvement loan. If you want a first rate home improvement job carried out with a guarantee then you will need to use professional tradesmen who should also speed the work up a great deal.

Almost all homeowners are able to arrange a home improvement loan but some may decide voluntarily, or be forced, to have the loan secured on their home or other valuable possession. Fortunately loans that do not require the home itself as equity are even available to brand new homeowners. This type of zero equity financing usually has a fixed interest rate of up to 15 years.

The eligibility for finance without equity can depend on the combined household income, which should not exceed the county limit where the property is located. Certain facts are researched by the lenders; like the type of property and reasons for the loan but essentially, this type of loan is easy to arrange with only a small amount of documentation to complete.

For people with small mortgages and high value homes, a home improvement loan that is secured is often a preferred method to finance remodeling costs. This type of loan is much quicker to organize and because the house is being used to secure the loan, it benefits from better terms and lower interest rates.

How much you can borrow on a secured loan depends on the equity in your home. The lender will work with you in determining the value of your home based on its current value, amount of outstanding mortgage, and other debts that you currently have.

The next stage is to factor in all this information before a final figure the lender is prepared to agree upon is put before the homeowner. Usually, finance companies will lend you a percentage of the assessed value of your house but some lenders can lend as high as 125 percent of your home’s equity.

When you arrange a loan this way, the lender has a claim on your home should you fail to meet payments, so only borrow judiciously and consider your ability to pay it back. So be careful how much money you agree on a home improvement loan and wherever possible only borrow enough to carry out essential repairs.