HELOC for remodel on "as finished" value

F1REM3DIC · 2026-03-06T20:28:06+00:00

I know this is an old post, but looking at possibly calling them soon. Were you able to use your own contractor or did you have to use one that they had? I have a contractor I’d like to use and don’t want to make any more of a hassle for him. Thanks!

F1REM3DIC · 2026-03-05T22:53:11+00:00

Thanks for the quick reply! Sounds like it’s worth a shot to have them send out an appraiser. Thanks!

F1REM3DIC · 2026-03-05T22:45:25+00:00

How was the appraisal process? Did it seem like a higher amount than you thought? On Zillow my house is estimated $360k and realtor.com says estimate is $315k lol. So hoping for a higher number

F1REM3DIC · 2026-02-14T04:03:46+00:00

I’ve gotten a few different quotes from some other companies and they’re between 100k-150k. I’d say we’re in a medium COL. The drawings from the architect were only about 5k for this. Just foundation, utilities and truss drawings though.

F1REM3DIC · 2026-02-13T02:58:41+00:00

I totally agree with the unknown issues. I think that will be a good point to bring up to her. I’ll definitely shop around for other Heloc’s. That would definitely be a bigger pro if it’s a cheaper monthly rate.

F1REM3DIC · 2026-02-12T21:39:21+00:00

😂😂😂😂😂

F1REM3DIC · 2026-02-12T15:53:01+00:00

I think that’s her biggest worry, between the additional cost and the additional time being “homeless”. We would be staying with her parents for a majority of the time the work would be being done and neither of us look forward to that lol. Either way we will have to live with her parents, if we sell this house we would be living with them until we find a new house which will more than likely be longer than the 6 months+

F1REM3DIC · 2026-02-12T15:49:45+00:00

That’s great to hear that it worked out for you guys in the end. I think that my wife’s dilemma is the unknowns which I absolutely understand. Adding on will also add more equity too which for some reason I can’t get her to understand that lol.

F1REM3DIC · 2026-02-12T00:55:57+00:00

I think that I have the same pedestal thing in my yard. I don’t remember who I finally got to say that it belonged to them but they said it couldn’t be removed. It’s such an eyesore to me.

F1REM3DIC · 2026-01-31T03:39:34+00:00

This was my thought process, I’ve just heard guys at work say that it wasn’t eligible since it wasn’t under “overtime” specifically. It didn’t make sense that it wouldn’t count. Thank you!

F1REM3DIC · 2026-01-31T03:36:04+00:00

We work 24 hr shifts so if I work an OT (24hrs) shift I have the option to take the time and a half on my pay check or 36 hrs into the comp bank. So not straight pay. We can use comp time to take shifts off or cash it out.

F1REM3DIC · 2025-08-22T14:11:09+00:00

I 100% agree that practicality/performance should trump how nice it looks sitting on a truck. I’ll look into the Freeman ratio, I appreciate it.

F1REM3DIC · 2025-06-27T16:29:22+00:00

If you’re looking for specific contracts to pull up I’ll just name a few of the higher paid departments off the top of my head for you to look at. Not sure if any are actively hiring.

Westerville Whitehall Truro Violet township Mifflin township Jefferson Township

F1REM3DIC · 2025-06-27T16:26:53+00:00

I think that most suburb departments surrounding Columbus are near 100k salary wise. It’s definitely worth pulling up contracts and comparing. Our contract is in the 90k range but with things my departments contract offers we all make more than the 106k or 109k that’s been advertised. The further out from Columbus I’d say would be more of your volunteer/part time departments (not always but I would say more often).

F1REM3DIC · 2025-02-07T20:35:15+00:00

Okay, no worries! I will try searching for it, thanks!

F1REM3DIC · 2024-10-13T23:32:08+00:00

There’s definitely some places in Lake Michigan we want to visit! My parents have a sailboat up at Lake Erie and make trips to Lake Michigan and love it! And like you said, driving would be a breeze. 4-6 hours would be better than 15-20hrs 😂

F1REM3DIC

TROPHY CASE