Home Office Loans
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Funding up to $100,000 and APRs as low as 3.99%*
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Financing for Home Office Renovations
Can you get a home office loan? How about a home office renovation loan? Some of us have been forced to work from our home recently. While others may just choose to work from home. Regardless of your situation, you can get a home office loan. In some cases, renovating a home office may even be a tax deduction.
Many people found themselves working from home during the COVID pandemic. As society slowly is returning to normal, many are finding out that they can continue to work from home and enjoy the work-life balance benefits that this prospect offers.
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How Acorn Finance Works
Fill out easy online form to check for pre-qualified offers with no impact to your credit score
Compare terms and payment options to select offer that’s best for you
Complete application process on your selected lender’s website*
After loan approval, your funds should arrive within 1-2 business days*
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Learn more about financing
So, maybe it’s time to upgrade your home office from using your kitchen table to an actual home office that is properly equipped. Having a space that is functional and comfortable will ensure you can stay productive. Keep reading to learn more about home and office renovation financing.
Read more - FAQ
What is the best way to finance a home office renovation?
If you plan to spend more than $100,000 on your home office renovation, you will most likely need to use a secured loan such as a home equity loan or home equity line of credit.
If you plan to spend less than $100,000, a personal loan may be best for a home office renovation. The upside to using a personal loan is that you do not have to provide collateral. In addition, the application and approval process is usually much easier compared to a secured loan.
To check offers for home office renovation financing, get started online at Acorn Finance.
How do you pay for a home office?
What credit score is needed for a home improvement loan?
That being said, since 660 is the average minimum score, there are still some lenders willing to work with you if your credit score is lower. Just like some lenders will not consider your loan application unless you have a credit score above 700, some lenders will work with you even with a credit score of 600.
At Acorn Finance, most of our lending partners require a FICO 600 or above. With that being said, if your FICO is at or below 600, you can still apply. If possible, you should apply with a cosigner to increase your chance of approval.
How do I set up a home office on a budget?
Here are some budget-friendly tips to follow to have an office in your home:
Make a list of all essential office furniture and supplies: What are the absolute essentials that you will need? Do you need that $600 painting hanging behind your office chair? No. These should be the bare minimum items needed to function. This would include a work surface, a chair, computer equipment, office supplies, secure storage for documents, internet and phone access, lighting, and any specialized equipment that your job specifically requires.
Buy used or browse free listings: When you are looking for office furniture, make sure to browse Facebook marketplace, Craigslist, and other sites where people may be offering up older furniture for free if someone will just come and pick it up. Also, ask friends and family. Get creative.
Ask your employer to help: If you no longer go to the office regularly, maybe they have some office chairs or a desk they will no longer need. Ask for some financial assistance as well. After all, you are saving them a great deal of money by working from home.
Repurpose furniture: Your home office may be a work in progress. Got an old dining table sitting in the basement? Set it up in the office with a nice table covering until you can afford to buy a desk.
The point is, you do not have to go wild with spending to set up your new home office. Use your personal loan creatively and you can make that money go a long way.
What qualifies as a home office?
Regular and exclusive use: You must regularly use part of your home exclusively for conducting business.
Principal place of business: You must demonstrate that you use your home as your principal place of business.
For any tax-related concerns, you should always consult your tax advisor or CPA.
How much should I spend on a home office?
You may need to install new lighting fixtures to ensure you have proper lighting to complete your work tasks. Installing new fixtures can cost between $150 and $800. Good lighting can reduce eye strain.
Next, electronic and IT features should be part of your budget. New computer, printer and scanner, computer network wiring, telephone wiring and installation. All things to consider. Expect $1,000 to $3,000 on IT upgrades, if they are needed.
Other things like flooring, wall paint, decorations, are entirely up to you. They may not be required, but it is going to be a space that you spend many hours in each day. You will want to make it comfortable.
How do I easily set up a home office without an extra room?
There are a few things that you can consider when it comes to creating a home office without an extra room. Give yourself some dedicated space, whether it is a small alcove, a wall, or just a corner. You need to set aside enough space for a decent workspace. If you can find a way to give this area some privacy, that can be an added bonus. If your office is visible from your living space, you may want to find a way to close it off temporarily. This can help you separate work from life, even though they may be sharing the same space.
If others live in your home, you may want to explain how important an intimate workspace is. Working from home without an extra room can be distracting if others are constantly interrupting. Rather than letting it happen and becoming agitated, you should have an open conversation to lay down the ground rules. Without a door, others can’t politely knock to see if you’re busy, so how can they get your attention? Once you have a functional space laid out and all household members on board, you are ready to get to work.
How do you make a home office in a small space?
If you have a small space, here are some ways you can make the most of the space you do have:
Designate a workspace: You do not want to put the home office in the living room or the kitchen because others in the family will congregate there and you may never get any of your work done. Choose somewhere that you can really concentrate and get stuff done without people in the way. Even if it’s a corner with a temporary barrier.
Keep the space tidy and organized: Keeping wires tucked away and office supplies in a designated area can free up your space. A cluttered work space can be distracting, especially if the space is small.
Color schemes can help: If you have enough room for your own dedicated home office, then a color scheme may be a good idea. Think of ways that you can add in a few colors that will help you concentrate and get work done.
Windows and sunlight: Natural light can help you get work done. With lots of sunlight comes more vitamin D, which helps improve your happiness levels. This can help you concentrate and get more done during your work time.
Set up the ergonomics of the office: If you take shortcuts with this one, you may feel uncomfortable and not be able to get things done during your work time. Find comfortable chairs with the right back support to keep you at eye level with the computer and your back straight as you get work done.
Setting up your office, even when it is a small one, can be a hard thing to do. With a few key components, you will find that your office will be comfortable, can encourage concentration, and will help you get everything done during the day that you need.
How do you create a home office layout?
Once you have an idea of the layout and the space you are working with, you can find furniture to complete the design. If you have a small space you will want to find furniture that can offer plenty of storage without taking too much room. You may also want to hang storage on the wall if you are limited on floor space. It may be worth the investment to work with a 3D design app or virtual designer to perfect the layout and finishing touches for your space. There are several online design companies that can give you customized ideas based on measurements of your space.
Can you use a business loan to build a home office?
What is needed for a home office?
Good internet service
Desk and chair
Storage to hold onto items
Bulletin board or white board
Shelves for books and other items
The right software for your needs
You can add or take away some of the items that you want to use depending on what is going to help you best serve your customers along the way. In some cases, you may need storage for inventory or a workspace. You will need to focus on all of your needs to create a home office that supports your success.
Where should I put my home office?
Also, you might consider an outdoor space like a four-season porch, detached shed/garage, or backyard gazebo.
Working from home, though delightful, does present some of its own problems. By having a comfortable, functional, and quality devoted space for your home office, you can make sure you maintain productivity.
When it is time to make that home office renovation, consider financing your project through Acorn Finance to pay for your new work setup over time.
Acorn Finance has trustworthy lending partners that can offer APRs as low as 3.99% depending on your credit score. Individuals can discover simple and competitive payment options through Acorn Finance. At Acorn Finance, you can submit one application and receive loan offers in 60 seconds or less with no impact to your credit score. Once you have claimed the best offer and finalized the loan, you can receive funds quickly.
Discover competitive home office loan offers. . . apply online today!
ONE HOME, ENDLESS POSSIBILITIES
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