To find the cheapest home improvement loan that you can, you need to realize that there are a lot of factors that can affect the amount that you pay.

The equity that you have in your home or real estate is a major piece, but other factors that are considered are your credit history, national and local interest rates, the amount you want to borrow, and even the types of repairs or improvements that you're planning on doing with the money.

The cheapest home improvement loan that you'll get may take a little bit of work to find, but if it can save you hundreds or thousands of dollars in the end it's worth it.

Plan ahead to get the cheapest home improvement loan

Since there are so many factors involved in getting the cheapest home improvement loan, you need to plan ahead so that everything works in your favour.

Make payments on your mortgage early, paying extra if you're allowed