Chicago Home Improvement LoanNeed A Home Improvement Loan?Here are Precautions To Take |
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So how do you know when you have found a good home improvement loan? The answer is simple. If you have compared a lot of different plans, then you will know from experience which loan package looks good and which doesn't. Now when paying your contractor, here's a few tips to help you: * Try to limit your down payment. Some state laws limit the amount of money a contractor can request as a down payment. Contact your state or local consumer agency to find out what the law is in your area. * Try to make payments during the project contingent upon completion of a defined amount of work. This way, if the work is not proceeding according to schedule, the payments also are delayed. * Don't make the final payment or sign an affidavit of final release until you are satisfied with the work and know that the subcontractors and suppliers have been paid. Lien laws in your state may allow subcontractors and or suppliers to file a mechanic's lien against your home to satisfy their unpaid bills. Contact your local consumer agency for an explanation of lien laws where you live. * Some state or local laws limit the amount by which the final bill can exceed the estimate, unless you have approved the increase. Check with your local consumer agency. * If you have a problem with merchandise or services that you charged to a credit card, and you have made a good faith effort to work out the problem with the seller, you have the right to withhold from the card issuer payment for the merchandise or services. You can withhold payment up to the amount of credit outstanding for the purchase, plus any finance or related charges. Explore several of the links on this page to compare different rates and fees. Only by comparing will you know a good deal when you see it.
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Chicago Home Improvement Loan |
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