February 5, 2019
Ways to Use a Title Loan to Get Your House Ready for Spring
Spring officially starts on Wednesday, March 20th of this year. For many midwest states, spring can seem to start even sooner. Warm weather is a time to start on house projects, but when warm weather comes too soon, it can mean that you are not prepared for significant repairs. Spring is when roofers start sending out their estimates after a hard winter of snow damage, when basement issues come to a head after the ground begins to soften from the warmth, and when plumbing disintegrates because of the change in humidity. When a household is not prepared for these issues, it can be daunting to try and find the money to make quick, substantial repairs.
Luckily, title loans are one of the best ways that people can take care of expected or unexpected repairs that come to their attention during spring. Unlike traditional lending options, title loans are available to anyone regardless of their credit history, which makes them a viable option for those who have been able to obtain loans in the past due to a less than satisfactory credit score. Most loans are paid off in a manner of months, which makes it easier to save up for next year’s repairs. Finally, title loans are available within the same day of application, which makes them a preferred choice for those who have emergency repairs or issues.
Here are some of the best ways you can use a title loan to get your house ready for spring.
Use for Emergency Repairs
Because of the rapid (and sometimes dramatic) change from winter to spring, some repairs come on quickly. Issues that might have been hidden because of frozen ground, like septic issues, rear their ugly heads as the ground thaws. In many cases, these repairs don’t have the time it takes to wait for approval on a traditional loan. Bank loans and lines of credit can take as much as two weeks to get money to you, and things like leaking septic tanks and flooding basements can’t wait that long. Title loan disbursement is same-day, which allows you to take care of emergency repairs quickly – saving you time, money, and a headache.
Toward Re-Roofing Costs
Most people start their re-roofing projects in the early spring as the snow melts, and the damage to roofs is revealed. Roofing costs on average between $5,000-$10,000 nationally, which even the best savers sometimes have issues with saving up toward. A title loan can supplement healthy savings, helping ease the burden of payment toward a new roof.
To Prepare for Tornado Season (or to Take Care of Leftover Damage)
Missouri and Kansas are in the tornado belt, and March is the beginning of when residents in the tornado belt need to be on their toes when it comes to preparing for a tornado. The first and most important part of preparing for tornado season is making sure that your family has a tornado preparedness plan. If your house has an unfinished basement, a title loan might be a smart way to transform the basement into a safe and sound environment in the event of a tornado emergency. Additionally, using a title loan to stock a place like a basement or a storm cellar with things like canned food and water, emergency blankets, flashlights, and other storm preparedness items is one way to prepare for a potentially rough spring.
Additionally, if your home was damaged in a tornado previously, spring is a great time to do any catching up on repairs from the previous storm season. Replace broken windows, faulty doors, and demolished garages with the help of a flex loan. You can’t help tornado damage, but you can prepare and respond to it well.
To Replace Windows that Were Inefficient Over the Winter
Usually in January, when it is starting to get very cold, people start to notice the inefficiency of their windows. Perhaps a few of them have cracks you didn’t know about, maybe some are warped and therefore letting the cold air in, or maybe you live in an old house with old windows. Regardless of the reason, after winter has brought to your attention the inefficiency of your windows, it is time to do something about it. Paying for plastic to weatherproof windows gets costly, so it is best to upgrade windows to the newest and most energy efficient ones you can as soon as you can. Getting new windows installed in the spring when it is warm enough to deal with is smart. And even though a title loan does mean monthly payments, you’ll probably notice the benefits of replacement come next winter when your heating bill is that much lower.
Re-Paint the House
A freshly-painted house is a perfect way to brighten up your life after a long, cold, gray winter. Exterior painting jobs are best done in the spring when the weather is temperate, and the sun is out. Additionally, interior jobs are a great way to brighten up your home after a harsh winter and just in time for spring cleaning.
Hire a Deep Cleaner
There’s a reason people participate in spring cleaning – after a long winter of having the windows closed, without access to fresh air for months, a house can get a certain funk to it. Spring cleaning is a great way to maintain the life of your woodwork, cabinets, carpets, appliances, and floors. But, if we’re going to be honest, not everyone has the time for it. Hiring someone to do your spring cleaning for you might seem like a cop-out, but in reality, it helps maintain the life of your assets, which ultimately saves you money. Plus, professional cleaners know to clean the stuff that most of us miss – things like fan blades, stove hood filters, and walls.
If you have a spring to-do list that is a mile long and are wondering how you are going to pay for it, consider a no credit title loan from Midwest Title Loans. Our specialists in Missouri (at St. Joseph, Gladstone, and Kansas City) and Kansas (at Overland Park and Kansas City) are ready to help you get ready for 2019 by preparing your house for spring. Visit our website to get started on your title loan application today.