These days, projects are expensive. You don't have to do a lot of remodeling to spend a lot of money. What usually happens is you'll get a leak in your bathroom and you figure it's a good time to do a remodel. It's magnificent when it's done, but suddenly the rest of the house looks pretty shabby. There's a snowball effect where one remodeling project tends to lead to another.
When something goes wrong -- and it always does -- you'll appreciate working with someone you feel comfortable with.
Whenever you make changes it costs extra money.
A lot of people who over-improved did a cash-out refinancing when rates were at a low, expecting housing prices to continue going up and up. But in some places, like the Midwest, prices have already stopped climbing.
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