We have had our home for 4 years now, we only owe 11 more years on it and our payments are only 355.00 a month. We really need some work done on it. What is our best option for getting a loan to to have like vinyl siding, heating and air, new windows, those are the only things that need to be done, but all of them are so high to have done? I know nothing about this kind of stuff, some suggestions would be great.