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Improvements to real property are generally developments of land or structures on property that do more than merely replace, repair or restore the original condition. Improvements are characterized as being permanent and adding to the value of the property.
The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. The Title I program insures loans to finance the light or moderate rehabilitation of properties, as well as the construction of non residential buildings on the property.