Schraff Finance home improvement payment options help you create your dream home. Historically, many homeowners have paid for home improvement projects with cash or home equity lines of credit. A home equity line of credit can be called in, and the maximum loan amount can be reduced at any time. Our loans have many advantages over other funding options, including low, fixed interest rates, unsecured so you don't have to put up your house as collateral, keeps your home equity intact, and after all your hard work and planning, you've earned a quick, hassle-free loan experience, and you get a response within minutes.