After some thorough deliberation whether or not to pursue our porch renovation project, we finally decided to. We found a very low interest rate that could finance our summer project. We initially applied for a personal loan to USAA but the agent discussed t us the different options that we can get through them. At first, they suggested a home equity loan because the interest is lower than the personal loan but hubby and I did not want the loan to be tied up to our home loan so we declined it.
The agent suggested for us to just put it in our credit card which has a lower interest and at the same time will give us a flexibility for payment options. We thought about it and forgo with it especially that the agent found us a very low interest of 3.9% for a year. This work out great for us as I could transfer the balance to a 0% and we can pay it off quick. Thanks to USAA for being so accommodating and helpful!
We hired Robinson and Son because they came up with a very good plan and the price is lower than the other ones who submitted an estimate to us. The owner is very nice too, they gave us a $400 discount because of me being a Filipina lol. His daughter-in-law is also a Filipina so he has a soft spot to Pinays. Anyhow, the project won't start until July so we only paid our initial payment of $5k our income tax return is gone now hehehe). Aside form the loan that we got, we still have to come up with $2k so I need more online tasks please? Lol!
Somebody called him on the phone when we were there, so we had an opportunity to take some pictures of us too. I had fun taking pictures inside his office. It was so pretty inside.
How about you folks, how did you spend your Easter break? Ours was a busy one. I have three balikbayanboxes that I ordered and have to fill it with stuff to go to my family in the Philippines. I have been neglecting to do this but I really have to. Have a good week ahead everyone.