The mortgage guidelines seem to be increasingly tighter and tighter. I am happy to inform you that there is a Home Improvement mortgage program that frankly I was unaware of. I recently sat down with Michael TenEyck, the broker of MN Capital, Inc. TenEyck informed me of a program that offer reasonable rates and terms and uses completed values which allows for higher loan amounts. The higher values help those of us that have limited personal funds to contribute to their home projects. Contact MN Capital at email@example.com or online at http://www.cash-outmortgage.com for details.