The Quarterly eNewsletter Winter 2014

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January 23, 2014

Home-Buying Seminar January 30, 2014


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Monday, January 20


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Monday, February 17



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Remodeling projects? Start planning.

Remodeling and Planning- USC Credit Union

Take a look around your home, because this spring could be when you finally add that extra bathroom or upgrade your kitchen. If rising home values have increased your equity, we have two affordable ways to put it to practical use.

  • Second Trust Deed Equity Second
    A closed-end loan that’s ideal for specific purposes. You receive your loan amount in one lump sum with a fixed interest rate and payment.

  • Home Equity Line of Credit
    Use as much or as little of your equity as you need, whenever you need it, or keep it handy as an emergency fund. An interest-only option is available.

Remodeling can increase your home’s value
Some remodeling projects partially pay for themselves by adding value to your home. Here are some improvements that offer the best return on your investment.

Project

Job cost

Added value

Cost recouped

Deck addition (wood)

$11,116

$10,682

96%

Entry door replacement (steel)

$1,245

$1,183

95%

Garage door replacement

$1,669

$1,551

92%

Minor kitchen remodel

$21,094

$18,985

90%

Window replacement (wood)

$12,036

$10,661

88%

Window replacement (vinyl)

$10,993

$9,072

82%

Major kitchen remodel

$60,865

$49,366

81%

Bathroom remodel

$18,570

$14,791

79%

Garage addition

$55,179

$43,035.

78%


Plan now, so when spring arrives, you’ll be ready to make your house a better home.

Buying a home?
Attend one of USC Credit Union’s home buying seminars to learn the ins and outs before you start shopping. They are free, but reservations are required.

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