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Home Improvement With a Home Equity Loan you can use your home as collateral to consolidate bills, make home improvements, plan a vacation or buy a new car. There is also a The Title I loan for individuals requiring funds for home improvement, but who have little or no equity in their property or who live in a state where equity loans are very limited. If you have some equity in your home you may want to consider refinancing for your home improvements. Title I loans bear a higher interest rate than other loan types available. Get expert help from one of our professional loan consultants, apply now.