As we all know, the housing bubble has popped. This has put a strain on people who were hoping to use the increased monetary value of their homes to perform some much needed home upgrades. The crash in home values across the nation means there are many people who are now living in homes that have not built up any added value over the past couple years.  But if you have a home improvement you have to get done, how can you get the loan you need without having any equity in your house? Continue reading →