►
Description
The City of Bloomington and the Housing and Redevelopment Authority hosted the 10th Home Improvement Fair on Saturday, February 25, 2012. Fairgoers attended how-to seminars, visited with home improvement exhibitors, asked questions and got ideas for upcoming remodeling projects.
A
All
right
everybody
we're
going
to
get
started
thanks
for
coming
by
the
way
this
seminar
is
called.
When
does
it
make
sense
to
invest
in
your
home?
It
was
the
premise
of
this
seminar
was
dreamt
up
with
you
know,
giving
people
the
tools
of
how
to
how
to
look
at
doing
a
remodel
or
doing
some
sort
of
investment
in
your
home.
A
My
name
is
Brad
Zielinski
I'm,
the
sales
manager
at
Ron,
core
customer
builders-
we
are
a
design-build
firm,
does
primarily
residential
remodeling
Lucas
is
from
US
bank
he's
going
to
be
chatting
a
little
bit
after
me.
Talking
more
about
you
know,
different
vehicles
for
lending
or
things
to
look
into
if
you
are
going
to
be
financing
a
project
and
his
perspective
on
what
is
a
good
idea
and
what
may
not
be
a
good
Avenue
for
you
and
I'm
going
to
the
when
asked
to
do
this
seminar?
A
A
What's
my
cost
versus
value
at
the
end,
am
I
going
to
be
over
building
the
neighborhood
questions
along
those
lines
which
are
really
important
questions,
but
what
I've
realized
being
a
designer
is
sometimes
those
can
cloud
the
issues
of
what
it
is
that
you
want
first
and
when
a
lot
of
people
ask
me
well
what
I'm
worried
about
future
resale
and
I'd
like
to
build
something?
That's
going
to
be
good
for
a
next
buyer.
I
always
try
to
urge
people
to
build
for
yourself
first
and
then
worry
about
that
person.
A
Second,
so
I'm
going
to
touch
on
all
those
things
as
far
as
what
sort
of
mindset
to
carry
into
a
remodel
project,
because
by
no
means
are
those
bad
questions,
but
it's
I
always
urge
people
to
think
of
yourself.
First
and
so.
I
wanted
to
start
off
with
the
idea
of
just
cost
versus
value.
There's
two
types
of
ways
that
we
look
at
this
one
is
the
monetary
cost
versus
value
the
straight
dollars,
four
dollars?
A
A
Because
if
you
look
at
remodel
projects,
just
from
a
cost,
/
cost
standpoint
immediately
out
of
the
end
of
that
project,
you're
not
going
to
recoup
every
single
dollar
and
in
the
long
term
you
will
but
there's
there's
sort
of
an
upfront
cost.
So
when
you're
going
into
it,
you
got
to
think
of
what
is
it
that
is
going
to
push
me
to
do
this
remodel?
A
That's
that's
worth
it
and
how
long
am
I
going
to
stay
in
the
house,
because
the
time
in
which
you're
going
to
stay
in
your
home
is
very
very
important
if
your
main
concern
is
reaping
all
the
dollars
out
of
that
initial
investment.
So
this
is
a
slide
from
remodeling
magazine.
It
is
the
and
I'm
going
to
zoom
in
on
it
a
little
bit,
but
it's
published
by
remodeling
magazine
and
what
it
shows
is
in
Minneapolis.
What
the
typical.
A
I'm
going
to
zoom
in
a
little
bit,
so
you
guys
can
see
some
of
this
stuff.
It's
broken
down
by
the
national
averages,
regional
and
then
this
is
obviously
the
Minneapolis
specifically
and
it
shows
generic
project
costs
and
what
the
value
is
and
that's
the
the
day
that
the
project
is
done
and
if
you
were
looking
at
these
numbers
say
10
years
ago
they
were
pretty
similar
a
lot
of
the
60
numbers
that
you
saw,
one
more
like
75
percent
and
a
lot
of
the
fifty
percent
numbers
were
closer
to
sixty-five
percent.
A
So
even
the,
although
costs
of
the
projects
haven't,
come
down
their
value
shortly
after
the
fact
has
reduced
a
little
bit.
So
when
people
go
into
a
major
remodel,
you
have
to
be
thinking
about.
You
know
how
long
am
I
going
to
stay
in
the
home,
so
I
can
recoup
that
value
and
that's
usually
the
conversations
that
we're
having
a
lot
of
people
do
remodel.
Projects
are
in
their
house
for
the
long
haul.
So
this
is
much
less
of
an
issue.
A
That's
an
important
piece
of
the
pie
for
for
a
future
owner
is
that
snapshot
of
the
original
house
and
that
that
door
is
a
functional
piece
that
people
really
get
that
first
impression
when
they
walk
in
your
house,
but
that's
at
the
top
of
the
list.
Other
things
you
would
expect
to
be
up.
There
are
things
like
a
attic
bedroom
remodel
from
a
from
a
logical
standpoint.
A
It
makes
a
lot
of
sense
that
that's
at
the
top
of
the
list,
simply
because
it's
space
in
your
house
that
exists,
you
don't
have
to
add
on
to
the
house
to
finish
it
off
and
you're,
going
to
be
adding
square
footage,
therefore
adding
value
to
the
home.
So
a
lot
of
these
are
intuitive
on
why
they
they
recoup
the
most
dollars.
But
this
is
a
study
done
by
remodeling
magazine
that
gives
you
at
least
a
gauge
on,
if,
if
you
are
deciding
between
a
number
of
different
projects,
what's
going
to
be
the
best
thing?
A
So
again
touching
on
the
idea
of
this
emotional
cost
versus
the
vs
value,
you
might
be
asking
yourself
if
I'm
not
going
to
get
a
dollar
for
dollar
return
on
my
money.
Why
would
I
remodel
in
the
first
place
and
that's
a
very
appropriate
question,
one
that
I
always
ask
people
to
think
about
going
into
it,
and
it's
that
idea
that
there
was
a
short
period
of
time,
which
is
why
I'm
showing
the
slide?
A
Where
there's
pretty
much
anything
you
could
do
to
your
home
and
you'd
recoup
those
costs
and
then
some,
and
that
was
in
the
last
10
years,
previous
to
2006,
when
houses
were
skyrocketing.
So
if,
if
you
were
in
that
mindset
and
had
had
that
mindset
and
that's
carried
through
we're
actually
back
to
where
we
were
before,
that-
that
sort
of
really
fast
increase
where
houses
are
still
going
to
appreciate,
they
appreciate
on
a
much
slower
timeline
and
that's.
Why?
A
When
you
look
at
major
investments,
you're
thinking
how
long
and
we
can
be
in
the
house,
if
it's
X
amount
of
dollars
likely
I
want
to
make
sure
that
I'm
going
to
stay
here
for
5,
10
15
years
again
make
sure
it
makes
sense
for
me
and
and
that's
you
know,
and
the
reason
that
people
tend
to
remodel
their
houses,
because
if
I'm
going
to
be
here
for
10
or
15
years,
I
want
to
enjoy
my
house
in
such
a
way
that
I'm
able
to
do
so.
And
then
at
the
end
of
that.
A
Not
only
will
I
have
had
the
the
wonderful
experience
of
you
know
this
new
kitchen
or
the
added
square
footage
that
I
needed.
And
now
you
know,
I
know
that
I've
enjoyed
it
for
15
20
years
I'm.
At
that
point,
where
I've
recouped
all
the
dollars
that
I
put
into
it
plus
my
house
is
appreciated
beyond
that.
So
all
things
to
think
about
and
I
put
in
there
again
build
for
you.
A
I
can
say
that
a
lot,
because
it's
most
important,
okay
and
back
on
you
know
there
is
the
the
monetary
cost
of
things,
but
there's
also
an
actual
emotional
cost
in
remodeling,
and
that's
something
that
you
know
to
think
about
up
front,
and
that
is
the
physical
process
of
remodeling,
your
house
being
a
builder.
It's
it's
fun
for
us
to
do
this
in
every
aspect
and
I
always
tell
clients
that
we
work
with
it's
not
always
going
to
be
fun,
going
through
a
remodel
project.
A
The
first
couple
month,
few
weeks
or
month
or
so
is
really
fun,
because
you're
excited
and
things
are
moving
really
really
fast.
And
then
you
know
about
a
month
and
a
half
later,
when
you
realize
I
haven't
cooked
a
meal.
In
my
kitchen
in
six
weeks,
I've
been
eating
out.
That's
where
the
the
emotional
side
of
things
tend
to
weigh
on
you.
A
So,
that's
you
know
the
obvious
downside
of
doing
a
remodel,
but
the
the
value
that
you
get
out
of
it
is,
you
know,
you're
living
in
a
home
that
now
suits
your
needs,
and
there
are
a
lot
of
different
reasons.
Why
do
remodel
people
do
remodel
projects?
Some
of
it
is
just
a
want.
There
are
other
need
reasons
to
be
doing
that
and
that's
you
know.
Maybe
it's
I'm
resizing
re
fabricating
my
home
to
live
in
it
for
the
future,
rather
than
think
about
being
in
a
nursing
home.
A
Maybe
my
house
is
where
I
want
to
have.
You
know,
spend
the
rest
of
my
life
or
you're
looking
at
it
from
a
standpoint
of
I
want
house,
that's
maintenance-free,
and
you
know
these
are
my
goals.
So
that's
why
I'm
going
to
remodel
my
house
or
there
there
may
be
things
that
you
you
couldn't
previously
do
in
your
house,
a
lot
of
specifically
kitchen
remodels
that
we're
doing
the
emphasis
to
doing
that
is
people
want
to
entertain
in
their
homes
and
they
don't
feel
like.
A
A
I
I
have
bachelor
Sciences
in
architecture
as
well
as
a
master's
degree
I'm.
Now
the
sales
manager
there
so
I
don't
do
as
much
design
work
as
I
used
to,
but
I
still
help
you
know
I'm
obviously
consulting
on
projects
and
when
people
get
into,
if
you're
planning
on
hiring
a
professional.
It's
their
job
to
take
you
through
this
process
that
I'm
going
to
be
talking
about.
A
But
if,
if
you're
going
to
be
doing
the
this
type
of
stuff
on
your
own,
what
I'd
like
to
talk
about
is
an
approach
or
a
mindset
to
go
into
it
to
build
all
these
things
in,
because
that's
the
goal
of
a
design
expert
is
obviously
you
want
a
well
design
project,
but
you
want
to
you
want
to
build
in
those
things
that
you
know
are
going
to
hold
up
over
time.
We
call
it
trends
versus
fads.
Fads
are
something
that
go
away
and
are
popular
in
then.
A
Our
lost
trends
are
things
that
are
recycled
that
are
never
really
lost.
They
may
be
popular
at
one
point
and
they
may
not
be
as
popular
but
they're
still
in
style
and
they're
still
in
your
style.
So
those
are
important
things
to
be
thinking
about,
and
this
mindset
can
be
broadcasted
to
any
any
type
of
project.
You're
thinking
about
and
I
just
thought
I'd
highlight
a
few
just
to
give
you
an
idea
what
I'm
talking
about
when
people
are
looking
into
doing
a
siding
project,
you
could
naturally
just
update
your
siding,
so
it's
maintenance-free
replace.
A
What's
there
we
usually
go
into
it
with
a
mindset
of
well
curb
appeal
is
very
important
thing
to
a
home
and
we
know
that
it
will
indeed
add
value
to
the
house.
So
your
facade,
your
house,
is
something
very,
very
important
piece
to
think
about.
You
can
introduce
new
textures,
whether
it
be
cultured
stone
or,
if
you're
doing
a
lap
siding
it
could
be
a
shake
siding
things
like
that
Gables
and
front
entry.
Porticoes
are
very
common
for
us
to
do
small
additions
on
the
front
of
the
house.
A
Maybe
you
don't
cost
a
whole
lot,
but
will
add
a
lot
to
that.
Curb
appeal:
give
some
depth
to
the
space
and
also
highlight
some
different
colors
and
textures,
and
really
add
to
that
curb
appeal.
The
other
three
sides
of
the
house
can
be.
You
know
fairly
mundane
if
you
want
to
do
the
project
on
a
budget,
but
that
facade
of
the
house
is
that
thing
that
everybody
walks
up
to
and
your
neighbors
see
and
you're
going
to
see.
You
know
every
time
you're
you're
driving
in
the
driveway.
A
So
that's
the
type
of
mindset
that
we
go
into
things
kitchen
is
another
common
place.
Obviously
there's
a
lot
of
design
that
goes
into
kitchen,
because
it's
the
jewel,
if
you
will
of
your
house,
but
the
the
from
a
you
know
from
my
schooling
or
my
school
of
thought-
is
it's
a
functional
space
and
it's
always
been
a
functional
space
and
will
always
be
a
functional
space.
But
the
idea
is
to
use
those
particular
functions
in
such
a
manner
that
you're
highlighting
them.
A
I
use
countertop
surfaces
as
as
just
one
simple
example:
any
any
standard
kitchen
will
have
a
uniform
countertop
height,
maybe
an
island
or
a
peninsula.
That's
a
little
bit
higher.
There
are
a
lot
of
different
variety
you
can
put
into
a
kitchen
just
in
that
one
regard
and
it
may
be
bringing
a
separate
function
of
I.
I
know
I'm
going
to
be
doing
a
lot
of
chopping
in
one
area,
so
maybe
we'll
will
change
the
surface.
A
2
may
be
a
butcher
block
in
one
specific
area
that
we
know
that's
going
to
be
done
typically
next
to
maybe
a
vegetable
sink
and
then
lower
the
countertop,
because
you
have
more
sort
of
inertia
at
that
height,
so
those
are
the
kind
of
letting
form
sort
of
dictate
function
a
little
bit,
or
vice
versa,
and
playing
with
that,
that's
you
know
getting
at
the
essence
of
what
a
kitchen
is
in
working
with
those
design
parameters
and
bathroom
is
the
the
same
type
of
premise.
It
always
was
a
utilitarian
space.
A
Nowadays,
people
are
thinking
it
more
of
a
sanctuary
or
a
place
that
they
want
to
spend
some
time
in.
It's
a
big
flip
in
regards
to
the
lifestyles
that
people
are
leading
so
they're,
putting
a
lot
more
thought
into
what
it
is
they're
doing
in
their
bathrooms.
In
that
regard,
we
may
be
putting
in
a
space
that
is
meant,
for
you
know
actually
spending
some
time
in
the
bathroom
or
there
be
a
small
reading
area
that
is
adjacent
to
the
bathroom.
That
is
somewhat
connected
or
making
a
larger
space.
A
So
it
does
feel
more
inviting
you
spend
more
time
and
they're
getting
ready
in
the
morning
and
such
and
then
you
know,
green
features
is
another
another
area
to
to.
If
again,
if
you're
planning
on
hiring
a
design,
professional
really
make
them
work
for
you
in
regards
to
working
through
what
it
is,
you
want,
because
there's
a
lot
of
hype
in
in
the
green
world.
I
love
it
in
the
sense
that
it's
finally
beyond
the
point
of
just
I,
guess
a
fat.
A
So
if,
if
you're
out
there
doing
this
on
your
own,
you
at
least
have
an
idea
of
where
they're
coming
in
at
it.
And
again,
if
you
are
planning
on
hiring
a
professional,
you
know
how
to
to
utilize
them
the
best
of
your
ability.
But
the
way
we
see
it
is
there
is
an
assemblage
of
detail
for
an
interior
designer
that
works
at
a
sort
of
a
visual
level
and
a
peripheral
level.
A
But
when
we
work
with
Realtors
like
staging
a
home,
for
example,
a
lot
of
those
projects
are
carpet
paint
kind
of
spruce
the
place
up
and
again,
if
you
guys
are
if
you're
thinking
you
know,
I'm
going
to
be
selling
a
house
soon.
Those
are
probably
the
type
of
projects
that
you're
going
to
be
doing,
and
it's
it's
very,
very
common.
When
either
the
homeowner
or
another
realtor
comes
into
the
space
they
know
instantly.
This.
A
This
was
done
by
professional
I
could
tell
right
away
that's
what
an
interior
designer
does
and
how
you
can
tell
is
it's
going
at
the
room
from
a
more
holistic
point
of
view,
and
also
there
there's
an
organizational
aspect
of
what
they
do
there
through
through
an
interior
designer.
There
is
a
number
of
products
or
things
that
they
can
access
that
some.
A
A
Nowadays,
it's
kind
of
difficult
to
weed
through
what
what
it
is
you
want
to
do,
but
that's
part
and
parcel
to
what
an
interior
designer
does
is
figure
out
what
your
specific
styles
and
tastes
are
and
kind
of
pair
those
things
down
and
then
take
you
to
the
various
showrooms
that
make
the
most
sense
to
you
and
then
architectural
designer
the
way
you
know
again
getting
back
to
having
them
work
for
you.
Think
of
them.
As
your
you
know,
financial
advisor,
but
instead
for
for
your
house,
it's
it's
about.
A
It's
very
common
for,
say,
example,
a
kitchen
project
for
us
to
go
outside
the
confines
of
the
kitchen
to
do
the
work,
because
it's
a
lot
of
especially
Bloomington
houses
or
Richfield
houses,
they're
very
compartmentalized.
So
you
have
your
kitchen
space,
your
dining
room,
the
dinette,
the
living
room
and
they're
all
separate
spaces,
and
it
may
be
in
essence,
you
may
be
under
utilizing
portions
of
your
house
that
you
may
not
even
realize
it.
A
The
the
dining
room
could
go
unused
nine-tenths
of
the
year
and
then
at
that
large
gathering,
you
fill
up
the
space
and
use
it
well,
that's
where
an
architectural
designer
is
going
to
have
the
type
of
conversations
with
you
and
say:
okay,
is
this
a
space
that
we
can
turn
into?
You
know
more
of
a
flexible
or
a
general
living
space
and
incorporate
that
as
part
of
the
kitchen
and
that
way,
you're
utilizing
that
space
more
times
out
of
the
year
and
without
having
to
do
in
addition
or
add
square
footage
to
your
house.
A
A
So
it's
it's
just
more
of
a
challenging
job
for
us
to
say,
okay,
how
can
we
come
into
this
with
this
mindset
and
get
everything
done
that
we
want
to
achieve
without
putting
a
huge
addition
on
your
house,
because
people
are
just
less
less
apt
to
be
to
be
doing
that
and
then
of
the
the
last
sort
of
last,
but
probably
most
important
function
is
the
conversations
about
living
in
the
house
for
the
future
whenever
I
enter
a
project,
I
always
ask
people.
What
are
you
planning
on
doing?
What?
What
are
your
immediate
needs?
A
A
So
it's
all
those
types
of
conversations
you
want
to
make
sure
you're
having
with
whomever
you're
working
with
22.
It
make
sure
it
gets
down
on
paper
and
it's
thought
of
in
advance,
because
the
the
last
thing
you
ever
want
to
hear
after
doing
any
type
of
projects.
Even
if
it's
the
smallest
project,
is
you
get
done
with
it
all
and
I
really
wish
I
would
have
done
this
and
that's
the
the
worst
situation
you
can
find
yourself
in.
A
So
it's
making
sure
you,
you
are
given
all
the
information
to
make
informed
decisions
along
the
way.
Whatever
you
know
you
might
be
thinking
doing
and-
and
you
know
take
advantage
of
these
design
professionals.
Most
companies
like
ours
and
our
interior
designer
do
consultations,
no
obligation,
no
charge
come
out
to
your
house,
and
basically,
you
know,
give
you
ideas
and
tell
you
hear
from
my
perspective:
is
the
feasibility
of
doing
this
project?
This
is
what
we
think
it
will
cost
and
it'll
you
know
they're
it.
A
A
A
And
as
far
as
knowing
exactly
when,
when
the
you
know
the
perfect
time,
Lucas
we'll
talk
a
little
bit
more
about
financing
and
things
like
that.
But
you
know
the
the
biggest
thing
for
me
and
you
know:
I
every
every
single
design
process,
I
kind
of
joke,
because
most
people
that
we
deal
with
our
happen
to
be
married
couples
so
I
consider
myself
a
marriage
counselor.
But
it's
just
a
little
personal
joke
of
mine,
of
what
we
do
is
very
personal.
A
A
So
there
are
a
lot
of
things
that
will
inform
your
decisions
along
the
way
and
they're,
probably
a
lot
of
iterations
that
you
go
through
whatever
the
project
may
be,
and
you
you'll
probably
start
very
close
to
where
you
end
up
at,
but
it's
about
going
through
the
process
that
allows
you
to
really
know
that
you're
making
the
right
decision,
because
you
will
have
exercised
all
of
the
possibilities
before
you
arrive
at
that
one
and
thats.
You
know
really.
A
The
most
important
thing
is
having
that
comfort
level
of
whatever
it
is
you're
going
to
be
doing,
because
back
to
that
same
point,
I
was
making
before
the
last
thing
you
want
to
do
is
is
do
a
project
and
then
wish
you
had
done
something
else
so
and
then
my
last
slide
is
you
know,
kind
of
leading
into
Lucas
a
little
bit,
but
talking
about
costs
specifically
from
a
builder
standpoint
and
speaking.
Why
you
know
now,
specifically,
is
a
good
time
to
be
thinking
of
your
remodel
projects
for
the
past
two
to
three
years.
A
Costs
have
really
not
risen
as
far
as
labor
and
materials
we
haven't
seen
Rises,
like
we
had
in
years
preceding
that
one
gas
prices
were
just
a
you
know,
going
out
of
control,
that's
when
things
were
really
moving
up
in
the
last
two
or
three
years.
We
haven't
seen
that,
so
it's
actually
in
that
regard
a
great
time
to
be
thinking
about
your
projects,
because
things
have
stayed
stagnant
for
at
least
three
years,
and
many
houses
have
been
unattended
to
in
regards
to,
if
you're
looking
into
investment
properties,
there
are
a
lot
of
there.
A
There's
a
lot
of
opportunity
and
a
lot
of
people's
houses
also
have
not
been
intended
to
so
I
guess
that's
an
opportunity
on
my
side,
but
but
hopefully
that's
not
the
case
and
money
is
cheap
right
now.
Lucas
will
be
talking
about
that.
But
you
know
interest
rates
are
at
record
lows,
so
it's
a
good
time
to
be
investing
as
far
as
looking
into
the
long-term
having
a
large
sort
of
mortgage
or
equity
loan
at
the
type
of
rates
that
are
offered
today
actually
work
in
your
favor.
A
B
Sol's
are
we
doing
I
know
what
you're
thinking
the
bankers
here,
it's
time
to
take
a
little
nap
but
I
I
don't
want
this
to
be
boring.
I
want
to
just
be
helpful
and
open
up
for
questions.
I
think
what
Brad
really
had
the
great
you
know
amount
of
information,
but
what
I
really
want
to
highlight
is
how
to
really
enjoy
your
remodel
and
taking.
Some
of
the
stress
out
of
the
financing
and
of
things
can
really
help
that
enjoyment.
I
believe-
and
you
know
what
I'm
not
gonna
lie.
B
B
We
are
the
number
one
SBA
lender
in
Minnesota
some
background
about
myself,
I'm,
a
small
business
specialist
for
the
bank,
so
the
clients
of
mine
ours
are
such
as
as
Ron
core
and
what
I
help
with
them
is
getting
their
clients,
finance
and
getting
money
to
you
as
cheaply
as
possible.
So
we
can
take
some
of
that
financial
stress
out.
So
some
of
the
things
I
want
to
talk
about,
and
please
stop
me
if
there's
anything
that
you
have
questions
about
or
don't
agree
with,
yeah
bring
it
up.
B
I
want
to
I
want
to
get
some
of
that
aggression
out,
and
hopefully
we
can.
You
know,
get
some
answers
for
you:
myths
about
equity
financing
that
I
did
want
to
bring
up,
even
though
I
deal
with
businesses,
mainly
now
in
the
past.
What
I
have
done
is
a
regional
loan
manager
for
the
banks,
so
I've
managed
to
equity
financing
loans
from
all
over
the
country
and
some
things
that
you
hear
and
I'm
not
saying
that
any
of
these
are
unwarranted
misconceptions
by
any
means.
B
But
I
have
heard
a
lot
of
things
that
aren't
necessarily
true,
and
I
can
only
speak
on
behalf
of
our
bank,
but
there
are
things
that
I've
heard,
such
as
closing
costs.
Somebody
always
is
going
to
be
deterred
from
lending
when
they
think
they
have
to
pay
for
it,
and
especially
when
it
comes
to
an
equity
loan
or
line,
if
you
think
well,
especially
in
this
market,
I'm
gonna
have
to
go
pay
for
an
appraisal
just
to
find
out
that
I'm
underwater
in
my
home.
B
Well,
that's
not
the
case
and
that's
one
thing
that
is
a
huge
roadblock
for
a
lot
of
people
before
they
even
start
looking
into
it.
They
just
make
that
assumption,
and
the
media
and
other
banks
have.
You
know,
brought
this
about,
because
a
lot
of
banks
do
charge
for
things
like
that.
Us
bank,
we
do
not.
You
can
come
to
us
and
apply
for
equity
lending
and
not
you're,
not
paying
it
off
that
there's
no
closing
costs
involved,
there's
no
fees
as
far
as
annual
ization,
anything
like
that
property
type.
B
We
also
you
know
we
can
do
equity
lending
on
a
cabin,
a
vacation
home
things
like
that
can
be
utilized
as
well.
A
lot
of
people
don't
realize
that
they
can
utilize
equity
in
multiple
areas,
the
purpose
of
fun.
Some
people
also
believe
that
they
have
to
use
an
equity
loan
or
line
for
home
improvements,
and
that's
not
the
case
either
you
you
can
use
your
equity
for
whatever
you
like.
So
the
big
question
is
you
know?
How
do
you
know?
B
What
is
the
truth
and
I'm
not
saying
any
questions
are
incorrect
or
not
worth
asking,
but
you
have
to
ask
your
banker
and,
and
that's
where
I
want
to
try
to
give
some
information
out,
but
I,
don't
know
you
know
what
those
misperceptions
are
amongst
people,
so
you
really
just
have
to
ask
us
and
don't
ever
feel
like
it's
and
on
what
unwarranted
question
by
any
means,
some
ways
that
we
can
help
you,
just
as
professional
remodeler
can
help.
You
is
take
away.
B
Some
of
that
stress,
helping
you
understand
lending
and
how
the
way
it
works,
whether
it
be
credit
whether
the
bay,
how
tell
you
how
the
bank
evaluates
you
when
it
comes
to
lending
to
you,
there's
I'm
sure
plenty
of
instances
where
you
may
be
applied
for
credit
and
just
been
told.
No
and
there's
been
no
explanation,
they're,
not
giving
you
a
reason
and
it's
frustrating,
and
so
that's
something
that
we
try
to
do
is
help
work
with
our
customers
as
well.
B
You
know-
maybe
this
isn't
the
rest
the
right
time,
but
we
can
tell
you
how
to
get
to
that
point
where
it
is
the
right
time
and
that's
very
important,
because
it
helps
you
use
that
as
a
mph
or
next
time
that
you
are
applying
fixed
versus
variable
rates.
There
are
times
where
I
will
recommend
a
variable
rate
to
my
client
and
that's
something
that
you
know
we
can
explain
to
you
where
that's
something
that
can
be
very
fearful
to
some
people
primary.
B
It
has
not
changed
in
almost
three
years
now,
so
that's
something
that
the
feds
do
evaluate
quarterly.
Yes,
but
for
multiple
reasons
there
are
times
where
I
will
recommend
one
or
the
other
secured
verse,
unsecured
lending,
higher
versus
low
payments
options.
These
are
all
things
that
we
want
to
discuss
with
you.
B
Is
it
better
to
take
on
a
larger
payment
right
now,
or
is
it
better
to
take
interest
only
payment
options,
because
you
know
that
you're
going
to
receive
the
value
in
this
a
year
down
the
road
and
that's
when
you're
going
to
be
able
to
pay
this
off
helping
plan?
Those
things
out
can
help
take
away
some
of
the
stress
and
that's
what
we
want
to
be
here
for
you,
another
big
question
nowadays
and
I
didn't
realize
you
know,
because
this
is
something
I
deal
with
every
day.
I
didn't
realize.
B
How
knew
this
was
to
a
lot
of
my
customers
until
I've
been
bringing
it
up
recently.
Is
the
fact
that,
even
if
you
are
under
water
in
your
home
and
have
no
option
to
use
equity
for
lending,
that
doesn't
mean
you
have
to
just
decide
not
to
renew
a
remodel
or
put
money
into
your
home.
We
do
have
purpose
finance
options
now
that
are
completely
unsecured.
B
We
can
lend
you
up
to
25,000
dollars
for
a
home,
remodel
at
a
fixed
rate
that
are
at
a
competitive
rate,
we're
at
about
eight
and
a
half
percent,
and
we
include
discounts
for
automatic
payments
and
there's
also
a
green
discount
that
I'll
talk
about
in
a
little
bit
that
those
are
things
that
you
can
utilize.
You
don't
have
to
have
that
equity
in
and
that's
the
market
a
lot
of
times.
People
will
look
at
it
as
well.
I
don't
have
any
equity.
B
That's
something
I'm
not
even
think
about
right
now,
because
I
don't
have
the
cash
well,
we
can
do
combinations.
We
can
look
at
just
unsecured
options,
and
that's
one
that
I
do
have
I've
learnt
iran,
but
the
big
thing
is,
I
don't
want
you
to
think
that
that's
just
going
to
stop
right
with
equity
that
the
bank
does
have
other
options
and
we
do
want
to
work
with
you
on
those
areas
so
properly
structuring
those
things
is
important
and
can
save
you
a
lot
of
money.
These
are
some
of
the
qualifying
green
home
improvement.
B
Discounts
that
you
will
get
not
only
on
taxes
but
with
the
bank
will
give
you
at
least
a
half
point
off
of
that
lending,
because
you're
utilizing
that
money
to
do
a
green
home
improvement,
so
whether
it's
windows
and
doors
or
a
non
solar
water
heater
things
like
that
energystar.gov
back
sesh
tax
credits
is
going
to
be
the
website
that
you
can
go
to
and
see
all
the
information
about
tax
credits.
Things
like
that
I
won't
go
into
all
the
details
there.
They
have.
B
Wiggles,
not
necessarily,
typically,
what
we'll
use
is
a
purchase
order.
Things
like
that
showing
that
yes,
this
is
in
fact
where
the
money
is
going.
Yes,
some
sort
of
proof,
but
and
I
don't
want
to
get
into
too
much
detail
about
this,
because
it
all
depends
on
the
situation,
but
there
are
times
where
maybe
not
all
of
the
lending
is
going
toward
a
green
home
improvement,
but
we're
able
to
apply
the
discount
to
the
entire
loan.
B
So
yes,
yes,
so
there
are
times
where
we're
able
to
work
with
you
and
say
well,
you're
only
spending
five
of
the
ten
thousand
on
you
know
new
HVAC.
How
and
the
rest
is
going
towards
a
new
deck
or
kitchen.
Sometimes
we're
able
to
apply
that
discount
to
the
entire
loan
for
you,
because
part
of
those
funds
are
going
towards
home
improvement,
so
I
do
not
want
to
I'm
sorry.
D
D
B
Yes
and
I
believe
we
can
get
down
to
and
I
have
some
more
literature
there
I
believe
right.
Yesterday,
I
checked
rates
and
I
believe
that
seven
and
a
half
was
the
floor
that
we
can
get
down
to
for
unsecured.
But
you
know
in
I'm
not
sure
exactly
what
our
competitors
are,
but
I
know
they're
nowhere
near
where
we're
at
for
unsecured
lending
right
now.
B
That
is
one
of
my
jobs
to
know
both
know
the
market
and
I
have
worked
for
other
banks
in
the
past
and
I
won't
say
who
those
are,
but
I
do
know.
I
didn't
last
long
on
there,
because
you
have
to
believe
in
the
services
you
offer
and
that's
something
that
I
have
at
US
bank,
and
you
know
the
fact
that
we're
up
to
work
with
our
customers
on
finding
with
the
best
fit
for
you.
But
yes,
you're
exactly
right
in
combining
those
discounts.
So
the
automatic
payment.
D
B
D
D
B
Floor,
that's
that's!
That's
where
yes,
and
so
you
know,
if
there
are
other
discounts
that
do
come
up
down
the
road
that
is
the
lowest
that
you're
going
to
get,
we
do
always
make
exceptions.
One
way
that
I
will
and
I
don't
want
to
get
too
much
into
this.
Its
low
off
topic,
but
since
it
was
brought
up,
US
bank
does
operate
as
individual
entities
much
more
than
other
banks,
say
wells
fargo,
for
example.
I
have
worked
for
the
company
in
the
past.
B
They
have
you
know
the
largest
base
for
the
largest
deposit
bank
in
the
country,
but
they
operate.
Each
branch
is
operated
under
the
same
rules
and
regulations.
Us
bank
operates
with
a
branch
president,
so
each
branch
is
to
operate
as
more
long
lines
of
a
community
bank
to
where
we
can
make
some
exceptions.
We're
allowed
to
work
with
you
and
it's
not
just
this
is
our
policy.
It
ends
here
we
are
conservative
as
far
as
lending,
so
there
are
areas
that
we
will
say
no
to,
but
we
always
want
you
to
bring
it
up.
B
Ask
us
that's
what
we're
here
for,
and
you
know
it
has
come
to
a
little
bit
of
a
trust
thing.
You
have
to
be
able
to
trust
your
bank
and
I
do
understand
that
banks
have
lost
some
of
that
over
the
last
couple
of
years,
but
those
are
all
really
really
good
questions,
and
you
know,
please
feel
free
to
ask
more
about
that.
B
B
Banks
have
moved
from
being
a
customer
service
entity
into
a
sales
entity,
and
so
the
rate
is
last
thing:
they
want
to
advertise
a
lot
of
times
because
there's
so
many
gimmicks,
our
equity,
home
equity
line
of
credit
rates
are
as
well
as
three
point:
nine
nine
percent.
That
is
a
variable
rate.
However,
you
have
up
to
three
fixed
rate
options
inside
that
line.
So
if
you
do
utilize
a
large
amount,
you
can
lock
in
that
balance.
Under
a
fixed
rate,
so
you
don't
have
to
have
that
worry
of
a
variable
rate
option.
B
There
are
no
closing
costs
to
raise
the
cost
involved.
There
are
no
early
closure
fees
with
our
home
equity
line
of
credit,
so
those
are
some
of
the
things
that,
yes,
you
do
see.
Is
the
small
print
below
a
lotta
advertisements
out
are
these
days
and
you
do
have
to
be
worried
about,
but
we
bring
those
things
up
front
because
we
stand
behind
our
products,
and
we
want
you
to
know
that
this
is
literally
the
price
of
money.
Right
now
is
3.99
percent
for
a
home
equity
line
of
credit.
B
Last
thing
I
really
wanted
to
touch
on
is
is
why
right
now-
and
I
believe
it's
not
only
the
fact
that
money
is
cheap-
it's
the
fact
that
we
are
offering
things
like
unsecured
lending
right
now,
we're
in
the
past
that
hasn't
been
offered,
and
so
we're
trying
to
encourage
a
lot
of
those
things
that
will
help
you
reinvest
in
your
home.
We're
reinvesting
in
the
community
in
a
lot
of
ways
and
that's
something
that
really
can
help
take
the
stress
off
of
just
the
thought
of
the
financing.
B
D
B
B
That
up
is
that
is
not
the
only
thing
that
we
base
our
decision
off
of
another
big
part
is
how
much
of
your
unsecured
credit
have
you
already
utilized
if
you
do
have
maxed
out
credit
cards
and
maxed
out
lines
of
credit
already
and
you're
coming
to
ask
the
bank
for
more
credit
I.
You
know
that,
unfortunately,
we
look
at
it
as
a
risky
situation
that
could
put
you
in
a
bad
position
as
well,
and
so
those
are
some
things
that
we
look
at
as
well.
B
Also
the
what
sort
of
relationship
do
you
have
with
us
already
we
want
to
reward
those
that
have
a
relationship
with
us
and
I
have
been
with
us
for
a
long
time
and
that's
something
that
we
always
want
to
stand
by,
because
you've
been
a
customer
of
ours.
We
want
that
to
be
a
also
a
large
factor
when
it
comes
out
Lenny,
that's
why
we
don't
give
a
floor,
FICO
rating
that
is
required
for
this
sort
of
letting,
because
that's
not
that
doesn't
exist
for
us.
B
We
don't
say
you
have
to
have
this
as
a
requirement,
because
there
are
so
many
other
factors
that
play
into
that
decision.
It's
not
just
a
number,
and
we
don't
want
you
to
think
of
that
you're
just
a
number,
so
you
know
that's
that's
why,
when
you
speak
with
a
banker,
you
can
bring
this
information
to
us
and
we
can
tell
you
other
things
that
will
help
in
a
play
in
your
favor.
B
If
you
are
challenged
in
certain
areas,
such
as
credit
or
high
balances,
we
can
look
at
utilizing
equity
to
pay
off
some
of
those
unsecured
cards
that
you
have
things
like
that
that
can
leverage
your
financial
position
and
allow
for
other
lending
to
exist.
So
it's
not.
You
know
the
last
straw
just
because
you
have
a
lower
credit
score
or
a
maxed-out
credit
card.
B
That's
not
the
end-all
of
everything
you
want
to
make
sure
you
have
that
discussion,
bring
those
things
up
and
we're
more
than
happy
to
try
to
tell
you
what
we
can
do
to
work
towards
improving
that.
So
was
that,
how
far
was
the
horribly
boring
I
don't
for
the
goal
is
just
to
make
sure
that
we
want
to
get
new
information
out
there.
B
Banking
has
changed,
and-
and
we
want
to
try
to
you-
know,
get
that
good
name
and
go
more
towards
helping
out
the
community
and
helping
you
reinvest
in
your
home
that
you
love
and
take
some
of
that
financial
burden
off
your
shoulders.
So
so,
please
talk
to
you
banker.
How
could
these
guys
they're
great
to
do
a
wonderful
job
and
I'm
very
happy
to
be
here
with
bread
and
be
able
to
do
this,
because
I
really
support
what
they're
doing
and.