Fall into Savings: Financing Your Dream Home Improvement Projects with Texas Trust Credit Union

As the summer heat fades and the crisp autumn air arrives, many Texans turn their attention to their homes. Fall is a prime time for tackling those long-awaited home improvement projects, whether it's finally upgrading the kitchen countertops, creating a relaxing outdoor space, or finishing that long-neglected basement.

Budgeting for Success: A Solid Foundation for Your Project

Before diving headfirst into renovations, it's crucial to establish a realistic budget. Here are some key steps to guide you:

• Define Your Scope: Clearly outline the specific improvements you want to make. This helps determine the total cost and prevents project creep (adding unexpected expenses along the way).
• Gather Estimates: Obtain quotes from several licensed contractors to compare prices and services offered. Be sure to factor in labor costs, materials, permits, and any potential unforeseen expenses.
• Consider a Buffer: Add a 10-20% buffer to your estimated budget to account for unexpected costs that might arise during the project.
• Explore Financing Options: Texas Trust Credit Union offers a variety of loan solutions to help you finance your home improvement dreams.

Financing Your Project: Solutions from Texas Trust Credit Union

At Texas Trust Credit Union, we're committed to helping you achieve your homeownership goals. We offer some financing options to suit your needs:

• Personal Loans: A flexible option for smaller projects. Personal loans offer competitive interest rates and repayment terms.

• Cash-Out Home Equity Loan: This loan allows you to tap into the built-up equity in your home and receive a lump sum of cash to finance larger projects. Consider Texas Trust Credit Union's special offer: No Upfront Costs on Cash-Out Home Equity Loans Until December 31st, 2024! This offer waives application fees, origination fees, appraisal/AVM fees, and closing costs, helping you save significantly on upfront expenses.

Texas Trust Credit Union's Cash-Out Home Equity Loan: Unlocking Your Home's Potential

The Cash-Out Home Equity Loan from Texas Trust Credit Union is a valuable tool for financing substantial home improvement projects. Here's why it might be the perfect choice for you:

• Access to Cash: Unlock the equity you've built in your home and receive a lump sum of cash to finance your project.
• Competitive Interest Rates: Enjoy competitive interest rates, potentially lower than those offered on traditional unsecured loans.
• Flexible Loan Terms: Choose a loan term that aligns with your repayment goals, with options ranging from 10 to 30 years.
• No Upfront Costs (Limited Time Offer): Take advantage of our special offer and save on application fees, origination fees, appraisal/AVM fees, and closing costs until December 31st, 2024.

Utilizing Texas Trust Credit Union Resources for a Smooth Project Journey

Beyond financing options, Texas Trust Credit Union is here to guide you throughout your home improvement journey. Here are some helpful resources at your disposal:

• Free Online Budget Calculators: Utilize online tools to create a realistic budget for your project and track your expenses effectively.
• Educational Resources: Our website offers valuable information on home improvement projects, including financing options, cost estimates, and tips for choosing the right contractor.
• Mortgage Loan Officers: Our experienced mortgage loan officers can answer your questions, guide you through the loan application process, and recommend the financing option that best suits your needs. Schedule a consultation

Additional Tips for a Successful Home Improvement Project:

• Get Everything in Writing: Formalize agreements with your contractor through a written contract that outlines the scope of work, materials used, payment schedule, and deadlines.
• Secure Permits When Necessary: Contact your local building department to determine if permits are required for your project. Obtaining the necessary permits avoids potential delays and ensures your project complies with local regulations.
• Communicate Effectively: Maintain open and clear communication with your contractor throughout the project. Discuss any concerns or changes promptly to avoid misunderstandings.

By partnering with Texas Trust, you can transform your home improvement dreams into reality. Our financing options, expert guidance, and commitment to your financial well-being make us the ideal partner for your project.

Contact us today to schedule a consultation and explore how we can help you achieve your home improvement goals.