Remodeling?
September 1, 2009 by
Filed under Remodeling Q & A
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.
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llittle mama on Tue, 1st Sep 2009 2:41 pm
Call and make an appt. to speak to someone at your bank.
If you have good credit rating, you should have no problem getting a loan.
Ron on Tue, 1st Sep 2009 6:17 pm
You would first need to get a couple of estimates fro starters
angela on Tue, 1st Sep 2009 8:44 pm
Apply for a home equity loan or line of credit. A loan will give you a set amount of money with set payments. A line of credit will give you a set amount that you can borrow up to. Then as you pay it back you have more available to you again. Your payments will vary depending on how much you owe. It works a lot like a credit card. Go to the bank to apply. They’ll check your credit and do an appraisal to find out how much your house is worth. They will probably loan you 80 – 90% of the value of your house, minus what you owe on your mortgage. Since you’re wanting to do home improvements, a home equity loan is probably your best bet.
Joanne A. W on Wed, 2nd Sep 2009 12:59 am
Do one at a time. You have all the time in the world, so don’t rush. And don’t get yourself in debt.
Blogkhea on Wed, 2nd Sep 2009 5:06 am
4 years is no long period .Take one more year but to study options and alternatives.Also you will be betteroff by that time.