Since we had a few things that needed doing around the house, I applied for a HELOC with Chase in February. I knew it was a long shot but I also knew that there are $500K homes going up nearby and that the people who calculate these home values don't know Portage Park from Lincoln Park so why not.
- Feb 9: applied online
- Feb 12-14: missed calls
- Feb 15: sent financial documents
- Feb 16: drive-by appraisal. I actually saw some camera flashes but was on a call so I didn't go look
- Feb 21: appraisal came in $5k higher than I submitted.
- Feb 22-27: request for 2 more documents
- Feb 27: confirmed they have all they need and will reach out to schedule closing
- Mar 2: closing scheduled
- Mar 3: closing rescheduled because wife signature needed.
So it only took a month and we got a small but not trivial amount of money to help with some home repairs. I looked into getting some type of Air Conditioning system but the costs were too high given we might not be here much longer. Instead, I decided that the first order of business was to get the rails on the back deck replaced.
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