The other choices on this list are aimed toward borrowers with specific needs, like fast funding , massive mortgage amounts , or versatile reimbursement terms . It additionally rewards good cost behavior with its LevelUp program, which lets you earn a zero.5% interest rate discount for each 12 months of on-time funds you make (up to 1.5% total). Overall, LightStream provides some of the greatest mortgage phrases and rates for big home improvement projects—if you have the credit score to qualify. Even if you’re hiring a common contractor, one other great way to save cash on bigger renovations is by …