Don't have a credit history? Believe it or not, there are loan programs out there that can allow people who've paid their bills on time but haven't established a conventional credit history to qualify for a mortgage.
Non-bank lenders have expanded to the point where they now account for half the mortgages originated in the United States, a trend that could make it easier for those with poor credit to get a home loan.
For homeowners in some states, PACE loans offer what may be a more affordable alternative to conventional energy efficiency and home improvement loans, one that can be paid through a lien on their property taxes.
The changes to the tax laws at the end of 2017 eliminated a lot of deductions, but you may still be able to deduct the interest paid on funds borrowed through a cash-out refinance for home improvements.