Interested in Home Additions? Learn About 203(k) Home Improvement Loans

  • By Ken Carney
  • 02 Feb, 2017

When financing is a main concern to achieve your dream home, a 203(k) home improvement loan could be an excellent option.

203(k) Program

Home additions and remodeling are always an exciting undertaking for new or potential homeowners. When financing is a main concern to achieve your dream home, a 203(k) home improvement loan could be an excellent option. Baybrook Remodelers, located in the heart of West Haven, CT, specializes in helping homeowners who have decided on this loan program. As professional homebuilders who understand the responsibilities of this type of loan, clients often turn to them for advice.

203(k) Home Improvement Loan FAQ for Home Additions

What Is a 203(k) Home Improvement Loan?

A 203(k) home improvement loan is a loan that rolls both a mortgage and home remodeling budget into one. Whether you’re considering buying a fixer-upper or looking to refinance your existing home, this is a great opportunity to fund your home remodeling project in tandem with your mortgage.

Is This Loan Right for You?

These 203(k) loans are typically on a 15- or 30-year option. While there is no “balloon payment,” these loans will have a higher interest rate than the market standard. The fees on this loan are higher as they value your home based on its value once your home additions are complete. That being said, if you’re looking to complete a home remodeling project right away, this loan will give you the cash and flexibility to get it done efficiently.

What Does It Mean for Your Contractor?

When you secure a 203(k) loan, there are a few rules that must be followed. Most importantly, work on your home remodeling project must begin within 30 days of closing on your loan. Choose homebuilders who understand your timeline and can get started based on these important dates. The entire home addition project will need to be completed within six months, so get a solid commitment from your contractor in writing!

If you live in the greater West Haven, CT, area and are looking for the region’s best homebuilders, call Baybrook Remodelers today at (203) 937-6400 to schedule a consultation. For more information on how an improvement loan can help set your home addition and remodeling plans into motion, download our guide today!

203(k) Guide
Download Our Guide

Baybrook Remodelers Blog Posts

By Ken Carney 07 Aug, 2017

Although any home addition will boost property value, some projects will benefit the household more than others. Based in West Haven, CT, our company provides a range of home remodeling services to increase the comfort and functionality of residences throughout New Haven County.

Below, our contractors share five home additions that will benefit your space the most:

  • Bathroom:Adding a full or half bathroom is a worthwhile home addition that sees a solid return on investment, allowing you to regain a fair chunk of the money put down for the project. The new bathroom is convenient for the family, too, as no one will have to wait in line to get ready in the morning.
  • Bedroom: Although overnight guests might not mind sleeping on a pullout couch, it would be nice to offer them more comfortable—and private—accommodations. Consider adding a guest bedroom to the house. When unoccupied, you could use the space for seasonal storage, a workout room, or whatever else you have in mind.
  • Office: If you often bring work home, think about adding an office. The dedicated workspace serves as a comfortable setting for you to concentrate on work without household distractions.
  • Deck:If you’ve always wanted to host get-togethers but consider the house too cramped, install a deck. This is a simple way to add more space for entertaining to the property. You can even enclose the area or add an awning to make it usable year-round—rain or shine.
  • Living Room: Although your home already has a living room, there are still plenty of reasons to add another one. When guests come to visit, you can use the larger area for entertaining, while the smaller space can serve as a private den for the family or a game room for the kids.

Whether you want to update the kitchen or add more bathrooms for your New Haven County property, our team at Baybrook Remodelers will be by your side through every aspect of the project. To schedule a consultation, call (203) 937-6400 today. Visit our website and Facebook  page to see pictures of completed work.

By Ken Carney 27 Jul, 2017

Are you ready to turn your boring bathroom into a trendy and beautifully relaxing room? While bathroom remodeling can range from a few small changes to more extensive updates like home additions, it is always well worth the work. Here’s a guide to the top 2017 bathroom remodeling trends.

3 Trends You Should Consider for Your Next Bathroom Remodeling Project

1.  Advanced Texture & Tile

As technology continues to develop, trends in various industries follow suit. That goes for bathroom remodeling, too. Technology has developed enough to allow homeowners to purchase tile that looks just like hardwood or other textures. If you prefer the look of marble, for example, you can purchase engineered stone that is incredibly similar—but lacks pores and does not require any sealant.

2. Heated Flooring

Another trend technology has enabled is heated flooring. In the frigid New England winters, cold feet are relatively common. Heated bathroom flooring is energy-efficient and, as a simple installation, can also be relatively inexpensive.

3. Sound Systems

In bathroom remodeling, sound systems have become very trendy. People love listening to music during their otherwise boring 
bathroom routines. Music can help them feel ready to take on the day in the morning or begin to relax before bed. In 2017, it has become very popular for contractors to install speakers into the ceiling or shower head, allowing the homeowners to stream music from another device.


If you feel inspired by these beautiful 2017 bathroom remodeling trends, then it may be time to take on a project of your own. Baybrook Remodelers  in West Haven, CT, can make it even simpler, by helping customers find the best designs and styles. Call us with any questions at (203) 937-6400, or visit our website for a detailed look at their building process and expertise. We'll be happy to discuss your unique ideas to develop the perfect bathroom for you and your family.

By Ken Carney 14 Jul, 2017

Every great backyard contains a functional and well-crafted deck. From visiting with friends to eating dinner with your family, they serve multiple functions. However, like other exterior elements of your home, they can succumb to years of wear and tear and start to break down, putting your loved ones at risk. This is why it's important to replace your deck before it becomes a safety hazard.

When Should You Consider a Deck Replacement?

1. Movement or Shakiness

Any sign of movement on your deck, from boards to railings, indicates structural damage. With older ones, it's usually a symptom of loose joists, posts, or railings. A full-structure wobble may also signify the entire deck is pulling away from your home. Such scenarios could result in the complete collapse of the unit, potentially injuring someone. Avoid the medical bills, guilt, and financial liability by replacing your deck sooner rather than later.

2. Obvious Damage

A loose or warped board can be replaced, but rotting sections of surface boards or fallen railings indicate the structure is too damaged to be repaired. If you're uncertain about the seriousness of your deck's damage, ask your local home builder to inspect it for you.

3. Pulling Away From Your Structure

During the installation of your deck, it's attached to your home to increase its structural support. The loss of that support can cause more widespread damage, enhancing the risk of injury. In some instances, you may be able to repair the ledger boards, but other cases will require a full replacement.


If you've noticed any of the signs above, it may be time to build a new deck. Begin the process by contacting Baybrook Remodelers in West Haven, CT. From decks and siding to windows and kitchen remodeling, our team uses their three-step building process to ensure the satisfaction of their clients. Learn more by calling (203) 937-6400.

By Ken Carney 22 Jun, 2017

In today’s competitive real estate market, it’s important for you to fix up your property to make it as appealing as possible. This is why most people undergo home remodeling before having their property listed. Those who don’t risk not getting any offers at all.

While many renovation projects add value to your property, here are the four that add the most value:

  • Kitchen Remodel: Potential buyers pay extra attention to kitchens, from the countertop material to the featured appliances. After all, it is the heart of every home. A minor kitchen remodel with a $20,000 price tag can yield up to 83% return on investment.

  • Bathroom Addition: Another home remodeling project to consider is adding an extra bathroom. Many people are eager to make their bathroom a place of personal comfort, with some even installing televisions on the wall. A $40,000 bathroom addition project can yield up to 56% in return.

  • Bathroom Remodel: If you don’t have a spare room to convert into an extra bathroom, you can always opt for a remodel. If you do it right, it could be the room that sells your home. It can also return up to 65% of your investment. Make the bath more appealing by adding a tub and shower, installing new tiles, and updating lights and fixtures.

  • Deck Addition: Installing a deck is a low-cost home improvement that can yield a very high return. Outdoor living spaces have become a sought-after feature for potential buyers. For a $10,000 wooden deck, you can get up to 75% in return.


When it comes to home remodeling and additions, make sure you get the best value for your investment. Homeowners in West Haven, CT, turn to Baybrook Remodelers for their renovation needs. With more than 20 years of experience, our team is highly qualified to handle your requirements for bathroom and kitchen remodeling, deck additions, and other improvement projects. Call (203) 937-6400 to schedule a consultation.

By Ken Carney 15 Jun, 2017

While you may not think about it often, the siding on your home plays an important role in protecting your house from exterior elements. It also adds to the curb appeal, if you’re planning to sell the home, and an added layer of comfort, if you’ve just moved in. Because of this, it’s important to know the signs of when siding should be replaced.

Here are three ways to know that your home’s siding is due to be replaced:

  • Frequent Need to Paint:Every home needs a new coat of paint every five to seven years to keep it looking fresh and free of chips or scratches. However, if you’ve found the need to paint multiple times over the last couple of years, it could be a sign that there is a structural problem with the siding that needs to be fixed. If you’ve painted the exterior of your home more than twice in the last 12 months, call in a professional to check out your siding.
  • Mold:Moisture is the enemy of strong, solid siding, and, when water passes through, it can easily get stuck in your home’s walls. Without a way to escape, mold is almost guaranteed to harvest, which can lead to serious structural damage and health problems for you and your family, if the issue goes unaddressed for too long.
  • High Energy Bills:The goal of effective siding is to keep your home insulated. If you’ve noticed an unexplainable spike in your energy bills, you may have a leak in your siding that is forcing your HVAC system to work harder than needed to maintain a proper level of heat or cold indoors.

If you’re a homeowner in West Haven, CT, and in the market for brand new siding for your home, consider working with Baybrook Remodelers. Since 1992, our team of construction contractors has served the community with siding, decks, and windows. Give us a call at (203) 937-6400.

By Ken Carney 23 May, 2017

Decks are the perfect pre-summer home transformation. Not only are they functional for entertaining, they can also add financial and aesthetic value to your home. If you’re looking to upgrade your outdoor living space with a deck addition this summer, there are a few leading trends you can use for inspiration.

  • Ample Space:If you have extra room on your property, why not have a large, spacious deck constructed for plentiful seating, room for lounging, and boundless décor options? While many decks of yesteryear were limited to sizes like 20’ x 10’, today’s homeowners are expanding their outdoor space for unlimited entertaining opportunities.

  • Outdoor Kitchens:For grill masters, having all of the supplies needed to create culinary masterpieces right on their deck is extremely convenient. An increasing number of homeowners now request outdoor refrigerators, bars, and cooking spaces to be built right into their decks. The end result is an enviable outdoor kitchen allowing homeowners to interact with their guests while cooking. Plus, you won’t have to keep going back in and out for supplies! For the best deck on the block, consider adding an outdoor bar – just be prepared for neighbors to invite themselves over!
By Ken Carney 16 May, 2017

Bathroom remodeling offers several benefits to homeowners. From upgrading to energy-efficient fixtures to enhancing the current layout, this undertaking is a project that’s highly recommended by experienced homebuilders like Baybrook Remodelers in West Haven, CT. With more than 20 years in the business, we recognize the advantages that come with any home remodeling and will supply the quality craftsmanship you need to bring your design dreams to life.

There’s a lot to consider when it comes time to plan a bathroom remodeling project. If you’re still unsure whether this is the right solution for your home, here are the top three reasons why we encourage their clients to take on this type of renovation.

3 Benefits of Bathroom Remodeling

Raise Your Home’s Value

Bathroom remodeling is one of the best ways to increase the value of your home. Choosing to update the fixtures and materials with more energy-efficient options could easily add thousands of dollars to what your home’s worth and will make it easier to sell to potential homebuyers.

Replace Unsafe Fixtures

There’s no need to keep dangerous old sinks, bathtubs, or toilets in a newly renovated bathroom, especially if they leak or have visible cracks along the side. Take this bathroom remodeling project as an opportunity to select new products, so you won’t have to worry about your family using them.

Reconfigure the Space

If your family is continuing to grow, and you find yourself in need of a more functional bathroom, then remodeling may be just the answer you’re looking for. Skilled contractors can work with you to figure out how to maximize the space you already have and will offer viable suggestions for expansion.

Are you interested in setting up your first appointment with Baybrook Remodelers? You can schedule your bathroom remodeling consultation today by calling (203) 937-6400.

By Ken Carney 11 May, 2017

Spring is here and that’s when many people start thinking about home remodeling projects. Whether it’s a small project or a major renovation, Baybrook Remodelers, Inc. can help you make your dream become a reality. From concept to completion, we design and build your project. There is no project too big or small.

As one of the sponsors of the recent Connecticut Better Home Show at Webster Bank Arena, Baybrook Remodelers, Inc. showcased many of the products and services offered.

Potential customers were able to see first-hand the quality products used in our projects. We showcased samples from Yorktowne Cabinetry, as well as CraneBoard siding and Trex Decking. Other products like granite countertop samples, sky lights and various window options were also on hand. Our sales team and financing representative also joined us to discuss specific ideas and projects.

Besides seeing samples and getting inspired by the quality products available at Baybrook Remodelers, Inc., potential customers also had the chance to design their own project. We brought along a computer and monitor so they were able to use the same program our design team utilizes in our offices. Just as our team takes in all the information from our customers, people at the home show were able to take their ideas and see them come to life. The program provides a 3-dimensional view complete with measurements of each space. Creating your dream kitchen or bathroom in your mind is one thing, seeing it on a screen really brings it to life. We were able to develop relationships with many potential customers who made appointments with Baybrook Remodelers, Inc. to further discuss their projects.

As we were meeting with potential customers, we were also able to have some fun. Our Baybrook Remodelers, Inc. fire truck had a special space inside the arena. Kids of all ages (adults too!) were able to get a look at the truck and take advantage of some free giveaways. Throughout the weekend we were able to hand-out 2,000 free yardsticks, as well as key chains and plastic fire hats for the kids!

If you missed us at the Connecticut Better Home Show, stop by our West Haven or Fairfield showrooms. You can always call us at (203) 937-6400 to discuss your project and make an appointment with someone from our team. We’re looking forward to meeting you!

By Ken Carney 03 May, 2017

Maybe your kids are getting ready to move out, or, perhaps, you’re envisioning life in a different town. Whatever the reason, you know you might sell eventually—just not right this minute. In the meantime, you’re still enjoying your Connecticut house and wondering about getting a home addition. As Baybrook Remodelers in West Haven explains below, an addition will significantly boost your home value and curb appeal, as well as your current quality of life.

Here are a few additions that you might consider for improving your curb appeal:

  • Patio: A home with a patio is a great addition. Build your patio in the front of your home, and it’ll boost your curb appeal, too. This summer, enjoy the fresh air and sunshine on your new patio, while also knowing that, after a few years, this highly coveted home addition will justify a higher asking price.

  • Family Room: One of the most cost-effective indoor home additions you can build is a family room. With fewer needs than a bathroom or kitchen (e.g., no plumbing or fixtures), the logistics are relatively easier to plan. It’ll also increase your square footage, justify a higher asking price, and give you an opportunity to brighten your curb appeal with new windows, doors, or siding.

By Ken Carney 19 Apr, 2017
Historic buildings boast so many charming elements. But even though the property may have been built with integrity, some features will require extensive renovations to get up to modern code. I am here to share a recent project we completed on an 85-year-old property. In addition to commercial construction, we also offer home additions and kitchen and bathroom remodeling.
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