Okay...we've decided to add on to our house. We have gotten a few quotes for the work and now we're just wondering how exactly to go about financing the work. I know paying cash would be the BEST idea....but for those of you that have financed a 50,000 or less addition on your home, what did you find was the best way to do that? Did you refinance in order to add that in, or did you just get a loan for that amount? We have enough equity but we're currently at 5% and I really don't want to go any higher, although interest rates might be lower now...I don't keep up. And when you add on to your home like that, what are the 'rules'. It has to be 100% complete and inspected before the loan is approved/finalized? We've not added on to any of our homes before, only done small stuff like the roof, siding...etc and those didn't require any kind of inspection. Thanks !