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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I had a wonderful experience with my recent renovation, timely help, many choices in the showroom, professional workers in my house, reasonable cost. This was the second time I used this company. Granite countertop, tile flooring, lighting, paint, tile backsplash, sink. I feel like I have a whole new house! And I didn't have to take off work, GREAT JOB, Shaw!

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by Wendy R. on Yelp

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.

We wanted to express our absolute satisfaction with the repair and remodeling work that was performed by your company at our home. I have never been happier with construction contractors.

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by Hans & Christina

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

Shaw remodeling did an excellent job on our master bathroom. Clay was always concerned that we were satisfied with their work. When they tell you they are not finished until you are 100% happy THEY MEAN IT! I want to thank Clay for all his hard work on the new door it was a bit difficult to install. Everyone mentions the beautiful door. Special thanks to Jordan for suggesting the accent wall behind the vanity also a favorite of all. Brittany made is so easy helping us with the design. Thank you to Nancy and the Shaw family who sent me flowers while I was very ill during the remodel.

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by Sharon Mercer 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

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

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

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by Richard F. on Facebook

We wish to express our sincere appreciation for the great service provided by Shaw Company. The crews definitely were customer-oriented and understood the project.

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by Robert

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

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

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by Sandra O. on Facebook

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

“On time and on budget” Magic words to any homeowner’s ears. Shaw Remodeling just completed our shower/tub conversion to a walk in shower, and we are very pleased. We signed our contract on a Monday, and Anthony was at our house Thursday to begin the project. He and his team were very professional, diligently working to complete each phase of the project in a timely manner. Brittany was not only helpful in the showroom with selections, but she also was very responsive to additional questions on design that I had throughout the project. All in all, this project was easier than I had anticipated due to Anthony’s continued communication and the quality of work done.

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by Lgrem131@yahoo.com on Google

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

Due to broken leg/fall I am in a wheel chair for the next 4 months and required our bathroom to be remodeled in a hurry. Eric committed to complete the job at a reasonable price and a short time frame. The work was completed ahead of schedule and on budget. All employees were great and very professional. I will use Shaw again for future work on my home and have no problem recommenting the company to others.

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by Roger M. on ReviewBuzz

What a great experience! I couldn’t be happier with my beautiful kitchen. The whole project went so smoothly that I almost enjoyed it.

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by Harriet

Shaw recently did some work at my home. I am thrilled with the results. My house is finally looking like I had always hoped. I will definitely use this company again if needed. There was great communication amongst staff and myself and husband. We are very happy with the results.

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by Paula J B on ReviewBuzz

I have been using Shaw Company since 2002 (14 years now) when I had a partial flood in my house. Not only an excellent job at a fairly reasonable price, the workgroup foreman added a couple of preventative extras at no cost to me. Since that time, altho I have contacted other contractors for an estimate, I primarily use only Shaw Co. Eric is friendly yet polite and is meticulous about making sure I know what they will be doing and how long the job will take. He answers any questions I have whether before, during, or even after the job. His workmen are always on time, do the job as contracted, and careful to clean up their mess. I know I can trust Eric and his workmen to live up to the contract and, if necessary, beyond.

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by Faye M. on Yelp

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

Shaw Company completely renovated and installed a new kitchen, floors and staircase at my house. Throughout the project everyone was very professional and helpful, keeping us updated on project development, not an easy task during Covid. Nancy and Anthony were always on hand to answer any questions and offer advise.
They provide quality workmanship, at a reasonable price, I would definitely recommend working with them for your next project.

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by Jane Cipriano on Google

Shaw is a very professional company. Anthony was informative, courteous, and super professional. He communicated continually throughout the remodeling process and was always willing to adjust or change anything we requested. His crew was very respectful. Christopher, Marcus, and Roy are outstanding in their fields. From Patrick's design expertise and Brittany's helpful coordination of materials, my kitchen is beautiful and functional. The Shaw team follows up continually and is great to work with.

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by Valerie Perrenot on Google

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

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

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