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3. A home equity loan is the classic way to finance home renovations. Take out a loan against the equity in your own house. 1  Large amounts of money may be available for large projects like additions. 2  Lower interest rates than personal loans and credit cards. credit card that you pay off at the end of each month. Or a zero-interest that you don't have to pay off for six months or a year. Some homeowners pay off one zero-interest card with yet another zero-interest card, thereby creating a permanent, but risky, no-interest loan. 1  Money available quickly.
Going from renting to owning isn't as simple as moving your belongings into a house: You need money to pay for the down payment and mortgage closing costs. If you're over 59 1/2 years old, you're home free because you can take your government employee Thrift Savings Plan distributions for any reason, penalty-free.If you're under 59 1/2 and still working for the government, you're limited to a TSP residential loan to help purchase your first home.If you've left employment, you can take an early distribution.f you're under 59 1/2 and still working for the government, you're limited to a TSP residential loan to help purchase your first home. If you've left employment, you can take an early distribution.