When getting that home improvement loan, here are some things you should NEVER do:

Agree to a home equity loan if you don't have enough income to make the monthly payments.

* Sign any document you haven't read or any document that has blank spaces to be filled in after you sign.

* Let anyone pressure you into signing any document.

* Agree to a loan that includes credit insurance or extra products you don't want.

* Let the promise of extra cash or lower monthly payments get in the way of your good judgment about whether the cost you will pay for the loan is really worth it.

* Deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust.