The different options on this listing are geared toward borrowers with particular wants, like fast funding , massive loan amounts , or flexible repayment terms . It also rewards good fee behavior with its LevelUp program, which permits you to earn a 0.5% interest rate discount for every 12 months of on-time payments you make (up to 1.5% total). Overall, LightStream provides some of the best mortgage phrases and rates for giant home improvement projects—if you have the credit to qualify. Even if you’re hiring a general contractor, one other great way to save money on bigger renovations is by …