Financing Your Remodel | Shaw Company

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Financing Your Remodel

Fri, Jul 7, 2017

Before deciding on your remodeler in San Antonio, it is imperative that you know how you are paying for your home remodel. There are a variety of options, from using cash or credit, to taking out a home equity loan or line of credit, that all carry their own benefits and risks.

Cash or Credit

Obviously, the ideal way to finance your project is with cash. The benefit of this being that there will be no interest, collateral, or other related risks involved in the cost of your remodel. The down-side of this is that, unless you happen to have a substantial amount of cash conveniently laying around, you will have to save for your project over time.

Credit cards are a common way to pay for a project if you don’t have cash up front. It carries the benefit of letting you pay over time, but will cost you more money overall due to the interest rate. It also carries the risk of wrecking your credit score if you find yourself missing payments.

Home Equity Line of Credit

Home equity LOCs are lines of credit that borrow against the value of your home. They come with a draw period, during which you can spend the money in your credit line. This period is generally about 10 years. The repayment period, typically lasting about 15 years, is likely to include higher payments because of a higher principal. Interest paid on home equity loans is tax deductible up to $100,000.

Home Equity Loan

A home equity loan is another way to use your home’s equity to finance your remodel. Rather than receiving a line of credit, with a home equity loan you get a lump sum of money. Interest payments tend to be higher than refinancing, but are tax deductible.

Choosing how to pay for your home remodel can be a daunting task. It is wise to consult with a financial advisor before making your final decision.

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Great Financing Options
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Jordan, Brittany and Clay were all great during the remodeling process. Clay was very thorough and detail oriented and addressed any concerns we had very quickly. We will definitely be using Shaw for future remodeling needs.

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by Danielle S. on Facebook

We hired Shaw Co to redo our shower. We had previously received quotes from two other shower companies but we felt they were being less than honest with us and were pricier than they needed to be. Shout out to Patrick and Fernando, Jr!

These guys at Shaw are great: they'll do what they say they're going to do, and they do it on time. For the next project, they're at the top of the list.

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by Jason DeSouza on Google

We have used several remodeling companies through the years ending up with substandard work. So glad to have found Shaw! We will never use anyone else! With the way most companies just want to take your money and run, it's nice to find someone with a great work ethic! They really care about their clients and the quality of their work. Thanks Shaw!

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by Donna W. on Facebook

February 2018 To the Shaw Company: Let me start out by saying the GARZA project has turned out to be a smashing success!!!!! Our kitchen, floors, and wall removal was a huge project and we lived to tell about it (hard to do with two toddlers and two dogs in the house!). But it would be remise of us not to mention what a positive and professional experience we had from start to finish with your company. Mr. Paul Colavecchia helped answer the millions of questions we had and gave us HONEST estimates about the work ahead. He showed up to help us in closing on our loan and kept the lines of communication opened at all times. Ms. Brittany Shaw and Gerrilynn Mohler helped us design everything and made, what felt like an overwhelming experience, into a positive and fun process. But it is with grateful hearts that we commend the team of incredibly hard working guys that made everything possible for us: • Jorge – the amount of effort he put into cutting and laying the floors in such a large space so they came out “just perfect” was a wonder to watch! Thank you! • Marcus – from our lighting, plumbing and appliance installation -he really puts in a hard day’s work – and all with a sense of humor!!! We appreciate the long hours! Thank you! • Roy – He took ideas for my “dream cabinets” and made them a reality! They are beautiful and efficient. Whether it is conversations or quality of work – when dealing with Roy the professionalism is of the highest caliber. Thank you! Lastly, what can you say about Rusty that hasn’t been mentioned already! He treated our home like his own home and that is hard to find. It may sound cliché, but my husband and I have waited a long time to take this house and make it our home, so it truly is a dream finally realized and Rusty was the man who made it happen for us. We are truly indebted to him. In closing, we feel very blessed that we found your company, but of course, you made it easy for us to choose Shaw. Since you gave us your respect and quality workmanship, we will be sure to give you the only thing we have to offer (and the most important) our future recommendations (and possibly more work!!). Take care.

Very Respectfully, The Garza Family – James, Melissa, Dominic, & Amelia

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by Jaime G. on ReviewBuzz

A job well done. Clean up was great. All of your team was great and knew their jobs well. Thank you.

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by H.E.

Shaw was an amazing company to work with on our remodeling. From start to finish, they were prompt and professional. Quality work and high standards! We had a full bathroom remodel from top to bottom. Our bathroom looks so incredibly different and amazingly beautiful - our vision for what we wanted came to fruition. They had effective communication from both the business end as well as the contracting end. Any last touch ups we requested, they were happy to complete. For any of our future projects, Shaw will be the first place we turn to!

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by Mariah Fink on Facebook

Please accept our appreciation for a job well done. The project exceeded our expectations, and was executed with a staff performing customer service and client interaction of the highest order.

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by William

Best remodeling ever.....true perfectionist! Eric and Carolyn are the best!

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by Sandra O. on Facebook

Our kitchen remodel took 8 weeks to complete. Salvador and his crew worked hard. They were knowledgeable and professional, as well as, friendly throughout the process. I had a special request for the color of my cabinets. Salvador got it done. They are beautiful and unique. I was always able to reach Salvador at anytime and he always took care of the situation. The office staff was so helpful, especially in the selection process.. Everyone was professional, helpful and friendly. I would not hesitate to recommend Shaw Remodeling, the office staff, Salvador and crew for your remodeling needs, big or small. We will definitely call them again.

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by John & Lynne B. on ReviewBuzz

This is my SECOND contracted job with Shaw's. They did a complete kitchen last year and I chose them based on a recommendation I received as well as my own evaluation. They did a terrific job, Salvador and his crew. Brittany was extremely helpful in the planning and setup of the decisions we had to make. So, one last project to complete to update our home, the Master Bathroom. Again, I chose Shaw's and did not consider other companies this time as I wanted the excellence and quality that comes with Salvador and his team. I think he has the best tile guy-Antonio, best dry wall-Rafael, and electrician /plumber in Marcos, in the business. I cannot go without recognizing Robert that starts the demo, everyone is just absolutely terrific to work with. When I made the call to Brittany, she ask who I wanted to do the job, of course, I responded in saying Salvador and his team. Salvador built my cabinets in both jobs as I knew the quality would be second to none. Shaw's is not the cheapest, nor have I found them the most expensive, but whoever is thinking about a major investment in their home, they should consider the quality and service before anything else. Please feel free to contact me if anyone has any further questions. Regards, Mike and Teresa Willis.

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by Mike W. on ReviewBuzz

Had great interactions from beginning to end of our master bathroom remodel project. Jordan and Audrey did a tremendous job helping get us started and walking us through all the details. Anthony Martinez and his crew came in and took care of the demo and remodel quickly, we’re attentive when discussing the project, and helped quickly correct any minor issues that arose. Anthony was always quick to reply to calls and texts, and he did a great job helping to make sure the project continued to move along in a timely manner. We are super happy with our remodeled master bathroom and the services provided by the folks at Shaw!

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by Nick on ReviewBuzz

I am thrilled with the complete master bath remodel that Alain & his incredible crew from Shaw recently completed in my home. It was a great experience from start to finish. This company truly works as a team, communication channels are all open. Even when a hiccup occurred…they addressed it immediately & moved forward. The crew was professional & positive…really a pleasure to have them in my home. Alain went above & beyond in every aspect including making sure I was not simply satisfied with the work but truly happy. I also want to thank his crew member Sammy. He did an exceptional job & really kept the work site clean every day. I will absolutely use Shaw again for future projects.

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by karen barrett on Google

Shaw Remodeling was extremely professional in their execution of our master bathroom remodel this year. They made great suggestions in the showroom and carried our choices into the design and completion of the project. The workmanship was very good and the project was completed in the timeframe as promised. I will be using them again!

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by Rusty Winters on Facebook

Great family owned company. Definitely someone I would recommend! Keep up the great work!

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by Richard F. on Facebook

I will always use Shaw Company! It's so nice to work with local San Antonio, family owned company! They have always been super professional and helpful!

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by Caitlin D. on Facebook

We had a great experience with Shaw. Patrick gave us great ideas and pricing for our kitchen remodel and bathroom update. Brittany guided me in making the best choices for the remodel.Nancy held my hand and Anthony and Christopher brought my ideas to fruition, they showed up daily worked hard respected our home and always left with a smile! 5 Star Company with 5 Star people!

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by Laura P. on Google

We used Shaw Company to remodel our master bathroom. Everyone we met with was very professional and helpful. Patrick helped us with the initial design phase, Brittany with the material selections, Anthony oversaw the actual construction, and Nancee checked in with us regularly to keep us informed and make sure we were pleased with everything! I really appreciated that they had a design center so I didn't feel overwhelmed with that part of the process. Additionally, Anthony did a great job of communicating with us daily through the process and making sure things were done right. It was a great experience and I enthusiastically recommend Shaw Company Remodeling!

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by Cyndi Kasik Bush on Facebook

We had a wonderful master bath renovation experience. They completed the job within the time frame they quoted. Anthony was a great project manager and communicated with me every day so I would know what to expect and at what time the workers would arrive. I found him to be an excellent representative for the company. Christopher was always pleasant and listened to and addressed any concerns I might have had. He is also a wonderful company representative. Nancy was pleasant and always kept me informed. Shaw Company Remodeling is lucky to have these 3 people working for them. This was NOT one of those nightmare renovations you hear about with others who say they can do it cheaper. I would highly recommend this company and do business with them again.

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by Lamar Pruit on Facebook

This is a great company to work with. They did an awesome job with my bathroom remodel. It's nice to deal with someone you can trust.

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by Scott J. on Facebook

We wanted to write to you and let you know what a wonderful experience I had with your company. You did such a fabulous job!

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by Brian & Tina

Shaw Co. Remodeling. We just did a bath/shower remodel with Shaw and are not only pleased with the results but with the degree of communication with Shaw reps and the subcontractors. You could tell they are all very experienced, not anyone’s first rodeo. Recommended.

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by Bill G. on BBB

One word my wife uses to describe our new shower "Fantastic". Rusty our project manager/technician was meticulous with an attention to detail. We are very well pleased with the results. Thank you.

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by David L. on ReviewBuzz

There is NO other remodeling company that I would have you call!! Twelve years ago Shaw Remodeling showed up and did an amazing job at my home!!!

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by Melisa A W. on Facebook

Carlos and his crew did a wonderful job. I absolutely love my shower.

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by Diane H. on Happy Call