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As many of you know, we are big on home renovations, DIY projects and anything that will improve the value of our home. Of course, many of our renovations have been to increase the space or enhance existing space to accommodate the nine people in our family. If you are new here, yes, we have four generations living under one roof. Lets face it, we all have a bucket list of items we want done around our home but having enough money to complete the project might be what stops us. We are very selective with which sponsors we work with. They must be relevant to our family or projects we have going on around our home. We were recently contacted by LightStream, an online lending division of SunTrust Bank. Did you know that they have a home improvement loan option? I didn’t and I must say, their options and process seem fairly simple.
LightStream believes that people who have responsibly managed their finances over the years, deserve to have their good credit rewarded with a better loan experience. I remember as a kid, my parents always drilling in my head, you have to pay your bills on time and more importantly, you need to build good credit.
Here are a few take-aways that I found impressive about LightStream:
- Since March 2013, LightStream has provided unsecured (no collateral!), fixed rate loans for virtually any purpose to people who have good credit.Whether it be autos, adoptions, home improvements, preK-12 tuition, family travel or medical expenses, LightStream delivers loans up to $100,000, with NO FEES—period. Those are just a few of their options. Kind of nice right?
- Getting a LightStream loan is an entirely online process, with an application that takes just minutes to complete. The best part, you may get an answer that day! See here for more same day details.
- Funds are deposited directly into the borrower’s bank account, often as soon as the same day of application.
The benefit of everything being automated, allows them to offer low rates while still offering great customer service. Even though they are an online lender, they still have a customer service team that is available during business hours to quickly answer phone calls and emails. I don’t know about you, but I like speaking to a human when I need help! Read more about their guarantee of your best loan experience here.
A February 2015 survey from SunTrust shows that 57% of homeowners plan to take on a home improvement project this year. I don’t know about you but we plan on doing a kitchen renovation that will include new cabinets, counter and flooring along with possibly enclosing our deck to create an office for me! Yay! We would loose this pretty space below but I am in desperate need of a home office. We would need everything from windows, sheetrock, doors and more. This is a big job and will cost a few bucks.
The good news is, from March through May 2015, LightStream is offering a special home improvement loan, with rates as low as 3.99% APR with AutoPay for customers with excellent credit. Read more about the special here. I don’t know about you but a low rate sounds great! What are your home improvement dreams? Do you have a wish list of projects that you thought were unobtainable because of money? Home improvements are one of the best ways to add value to your home, not to mention, make you feel all warm and fuzzy inside ;).
Visit https://www.LightStream.com/2015HomeReno for additional details, rates, terms and disclosures.
This is a sponsored conversation written by me on behalf of LightStream, a division of SunTrust Bank. Opinions and text are all mine.
What started as a hobby, Jessica’s blog now has millions of people visit yearly and while many of the projects and posts look and sound perfect, life hasn’t always been easy. Read Jessica’s story and how overcoming death, divorce and dementia was one of her biggest life lessons to date.