Hiring & Planning
Planning a Home Improvement Project
By Mass. State Consumer Affairs Office
Feb 1, 2005, 13:14

• Think about the specific design you want. Consult an architect or designer if necessary.

• Decide on a budget. If you must finance you home improvements, be aware that contractors are not allowed to lend you the money or to act in association with any lending institution if the loan is secured by a mortgage on your home. Similarly, a contractor cannot force you to finance with a specific lender if your home is used as collateral. You have the right to choose any lender who is willing to negotiate your loan. If you do take out a home equity loan, be sure you can afford the monthly payments.

• Think about the materials you want to use. Visit home improvement centers, read magazines featuring distinctive home designs, or talk to others who have completed similar renovations.

• Clearly describe the work you want done in a specification sheet and floor plan for potential contractors. When all contractors who bid on a job work from the same design description, there is more likely to be a complete and accurate bidding process.

• Contact a professional building industry association for advice on the home improvement process, including the selection of a contractor.