Remodeling for a Nursery

Consider using a home improvement loan to create the perfect space for baby

Congratulations are in order! You're expecting a new little bundle of joy, but there's still a lot of work to be done. You're probably running around baby-proofing the house: softening corners, locking cabinets, covering plugs, and of course, preparing the perfect room for your new addition. Whether you need to remodel an existing space or expand your home with an addition, a home improvement loan using home equity can help you cover expenses so you can get everything done before the stork comes.

Remodeling a spare room for baby

Whether you've been using it for storage or office space, with a new addition comes new priorities, and that may mean remodeling a spare room as a nursery. If you live in an older home, you may encounter the following projects and need a loan to remodel:

  • Stripping away old wallpaper and molding.
  • Checking walls and ceilings for water damage.
  • Removing lead paint, and choosing paint for the walls and ceiling that is kid-friendly.
  • Decorating with vinyl stick-ons instead of wallpaper as they are easier to adjust as your child grows up.
  • Refinishing or re-carpeting the floor. Keep in mind carpet softens noise and is more forgiving for toppling toddlers.

Creating a brand new space for baby

If you have older children, you may want your newborn to have his or her own space to limit disturbances when you have to get up at night. If you purchased a smaller house, you may not have enough rooms to turn one into the nursery. In that case, consider building an addition to accommodate your growing family.

A home improvement loan can help you purchase materials, hire a contractor and even take care of furniture costs. When borrowing with home equity, you can take out an equity loan or line of credit. A home equity loan is beneficial if you need a large up-front sum, but the home equity line of credit (HELOC) can provide you with cash throughout the project. Plus, you don't have to use it all if you don't need it.

Before you begin, create a budget and get quotes from multiple contractors. If you plan to do some of the work yourselves, talk to your doctor about what the mom-to-be should and should not do. After you have a plan, talk to a lender about taking out a loan to help with the remodel.

Designing a flexible space for baby to grow

Taking certain things into consideration now will help this room change as your child grows or your family expands.

  • Choose a theme and/or color scheme. You may want to consider using a favorite childhood storybook or matching colors to the rest of your home.
  • Purchase comfortable chairs and convenient furniture that will make changing, feeding and comforting easier for you.
  • Make sure furniture is durable and meets safety regulations.
  • Consider cribs that convert to beds, or put changing pads on top of a small dresser to get the most out of the furniture. Pieces that will grow up with them or transition to your next baby, if you plan to expand your family further, can save you money.
  • Gender-neutral paint colors like greens and yellows create a warm sunny environment while covering your bases if the baby's sex is a surprise or you want to reuse the room with limited effort.
  • Create a storage system to make cleaning up easier as they get older.

Take out a loan to remodel from Citizens Bank

Remodeling for a nursery can be expensive, but Citizens Bank has home improvement loans designed to help you get the funding you need to create that perfect space for your new little one. Call a Home Loan Advisor today, or start the home equity loan application process by answering a few questions online.


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