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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.
Owner financing allows a buyer to buy a home by, essentially, paying a monthly mortgage payment to the seller. Itâs like rent, except that the buyer is really buying the home and taking full responsibility for maintenance, improvements, taxes, etc.Selling a home in this way saves the buyer thousands of dollars in financing fees and that savings can be put directly into the buyerâs (or sellerâs) pocket.tâs like rent, except that the buyer is really buying the home and taking full responsibility for maintenance, improvements, taxes, etc. Selling a home in this way saves the buyer thousands of dollars in financing fees and that savings can be put directly into the buyerâs (or sellerâs) pocket.