Are you ready to turn your home into possibilities? For a limited time, TruStone Financial is offering fixed home equity loan rates as low as 3.50% APR*. Whether you are planning to update your kitchen or spruce up your outdoor patio, the possibilities are endless with the power of home equity on your side.
Regardless of what project you choose, remodeling can easily seem overwhelming. That’s why TruStone Financial has assembled some insider tricks to ease your mind and help guarantee everything goes smoothly.
PLAN AHEAD | Proper planning can prevent delays later, whether it’s unfinished product selections or additional remodel ideas. By creating a plan and sticking to it, you’ll stay on time and on budget.
BE PREPARED | From encountering unexpected delays and snags to living in a construction zone, remodel projects can be extremely stressful. If you take time to evaluate the remodel schedule, budget and possible issues, you’ll be able to handle the lows better if you know what you’re getting into.
BIG PICTURE | Long-term maintenance, energy-loss and repair expenses can quickly add up. When working on your budget, make sure to include them in your calculations so they don’t catch you off-guard later.
RESEARCH | Before you hire remodelers, take some time to research their experience and references. Most important, select someone that you trust to update your home.
DETAILS | Don’t jump into a remodeling project without a detailed contract or no contract at all. Document the correct address of the intended project, the start date, a completion date and an in-depth description of what is to be done and what isn’t. That way if an issue arises later on, you’ll have detailed documentation to refer back to.
PACK IT AWAY | Remodel projects affect every corner of the house, so before everything starts, pack away your valuables. Items such as vases, framed artwork and even light fixtures may need added protection during your remodel.
COMMUNICATE | Once the project has started, if you are unhappy with something make sure you speak up. The contractor may not be aware that you are unsatisfied and at the end of the day it’s your home and your decision.
Editor’s note: Segments of this article were taken from bhg.com.
*APR = Annual Percentage Rate. **Closing costs waived up to $1,000. Minimum new disbursements of $25,000 required to receive no closing costs offer. Refinancing of current TruStone loans are eligible for the promotion with all requirements met, including $25,000 in new disbursements. Closing costs do not include appraisal fee ($150-$375) if required to complete loan. Rate based on credit history, loan term and LTV (Loan-to-Value). Rate includes discounts for activated TruStone Visa credit card and automatic loan payment from a TruStone account. Loan is subject to credit approval with acceptable form of collateral. Product offering is fixed rate loan for 5 years, 60 monthly payments of $18.22 per $1,000 borrowed. TruStone membership required. Promotion valid 3/15/16 – 5/15/16 and must close by 6/30/16. Offer subject to change.