I've never been as happy about anything as this woman is to be taking out a loan to fix maybe thousands of dollars of water damage done to her roof. She really looks like her day was made when the ceiling collapsed, drenching her husband, because apparently nothing gives her a thrill more than whipping out her phone and committing both of them to paying off a high-interest loan. Just a couple of questions that don't involve questioning the mental state of a woman who beams from ear to ear simply because borrowing money is easy:
1. Are you even going to call a carpenter, plumber, or any other professional to give you an estimate on how severe the damage is or how much it's going to cost? Or is the plan to just borrow a certain amount of money and hope it's enough? If the latter is the case, how did you go about buying that home- did you just borrow a massive chunk of money figuring "yeah, a house should cost this much?"
2. You sure took out that loan fast. It's like you just wanted to borrow money and were waiting for an excuse. That's really weird.
3. Do you guys NOT have homeowner's insurance? Isn't that a legal requirement pretty much everywhere? I can see jumping to file a claim, NOT to take out a loan.
4. You guys own a home, and the best option you can think of when you have an unexpected repair bill (and again, you don't even have a bill yet) is to use the same service people who DON'T have property they can use to get a SECURED loan use? That would be like if I ignored the money I have in the bank and my credit cards and just toddled off to Aaron's to rent a tv, or if I ignored my driving record and sought car insurance from one of those by-the-month pay-through-the-nose barely-legal-coverage places. What is the matter with you people?
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