Benefits/Features of using RemodeLoanDirect to finance your project:

  • Fixed monthly loan payments
  • Tax deductible (interest may be tax deductible if loan is secured by a mortgage on your home — check with your accountant). Loans up to $7,500 are usually unsecured.
  • No prepayment penalties & no annual loan fees
  • Direct loans available from $3,500 to $50,000
  • First payment not due until 30 days after funding of your loan
  • Fixed APR (Annual Percentage Rate) normally 7.9% to 9.9% depending upon loan size and your credit report
  • Many improvement loans are regulated & insured under HUD's FHA Title I program
  • South Central Bank charges no points, & third party fees are very reasonable
  • Third-party fees (if required) are conveniently included in your loan amount and vary by location.  Here is a sample of such third-party fees:
    • Property/Title Search fee: $25 – $120
    • Flood Search: $10
    • Mortgage recording (if loan is secured): $25 – $150
    • On-site inspection fee to confirm work was completed: $27 – $100
    • Appraisals: $0 (equity not required)
    • In-home loan signing/closing fee: $125 – $200

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