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90-Day Same-as-Cash Financing Option
 

Terms and Conditions
 

1. Eligibility:
o The 90-Day Same-as-Cash financing option is available to qualified buyers in Oklahoma.
o The offer is valid for purchases made through Asap Tree and Fencing LLC and is subject to credit approval.
 

2. Financing Terms:
o Zero Percent Interest: No interest will accrue if the total balance is paid in full within 90 days from the date of the invoice.
o Payment Due Date: The full amount of the financed purchase must be paid by the end of the 90-day period to avoid any interest charges.
o Minimum Payment: Minimum monthly payments may be required during the 90-day period. Ensure that you adhere to these payments to remain in good standing.

3. Payment Methods:
o Payments can be made via cash, check, credit card (Mastercard, Visa, Discover), ACH transfer, or other approved electronic methods.
 

4. Late Payment:
o If the balance is not paid in full within the 90-day period, interest will be applied retroactively from the date of purchase at a standard annual rate of 18%. The interest will be calculated based on the total amount financed.
 

5. Fees and Charges:
o There are no application fees or prepayment penalties for paying off the balance early.
o Late fees and finance charges will apply if the payment terms are not met.
 

6. Cancellation:
o If you cancel the contract or fail to meet the financing terms, the 90-Day Same-as-Cash option will be void, and any outstanding balance will accrue interest at the standard annual rate of 18%.
 

7. Application Process:
o To apply for the 90-Day Same-as-Cash financing, complete the required application form and provide necessary documentation as requested by Asap Tree and Fencing LLC.
o Approval for the financing option is subject to a credit review and other criteria set by Asap Tree and Fencing LLC.
 

8. Additional Terms:
o The 90-Day Same-as-Cash financing option is only available on select products and services provided by Asap Tree and Fencing LLC.
o This offer cannot be combined with any other promotions or discounts.
o Asap Tree and Fencing LLC reserves the right to modify or terminate this financing offer at its discretion.
 

9. Contact Information:
o For questions or more information about the 90-Day Same-as-Cash financing option, please contact our office at [405.974.1088] or [beetstreeservice@gmail.com].
By accepting this financing offer, you agree to the terms and conditions outlined above.
 

Layaway Program Terms and Conditions
Asap Tree and Fencing LLC
1. Eligibility:
o The Layaway Program is available to all customers in Oklahoma purchasing tree or fence services from Asap Tree and Fencing LLC.
o Participation is subject to approval based on the customer’s creditworthiness and other criteria established by Asap Tree and Fencing LLC.
 

2. Layaway Terms:
o Deposit: A non-refundable deposit of 20% of the total project cost is required to initiate the layaway plan for tree services. Fence installation will require 50% of the total project cost before construction will begin to take place.
o Payment Schedule: The remaining balance must be paid within the agreed-upon term, which can range from six (6) to twelve (12) months, or longer if prior arrangements have been made.
o Interest Rates: Interest will be charged on the remaining balance at an annual rate of 8%, calculated monthly.
o Monthly Payments: The total amount, including interest, will be divided into equal monthly payments. The exact monthly payment amount will be determined based on the remaining balance, term length, and interest rate.
 

3. Service Commencement:
o Services will not commence until the deposit balance is paid in full.
o The estimated start date for the service will be confirmed upon receipt of the final payment. The project will be scheduled based on the availability of Asap Tree and Fencing LLC’s service team.
 

4. Cancellation:
o If the customer cancels the layaway plan before completing the payment term, all payments made, including the deposit, will be forfeited.
o Failure to complete the payment plan within the agreed term will result in the cancellation of the layaway agreement, with all payments made, including the deposit, being forfeited.
 

5. Late Payment:
o A late fee of 5% of the overdue amount will be charged if a payment is not made by the due date.
o Continued late or missed payments may result in termination of the layaway program, with all payments made, including the deposit, being forfeited.
 

6. Adjustments:
o Any changes to the project scope or cost after the layaway agreement is set may lead to adjustments in the layaway amount and payment schedule. Customers will be notified of any such changes.
o Adjustments to the project must be agreed upon in writing by both parties.
 

7. Additional Terms:
o The Layaway Program is applicable only for select tree or fence services provided by Asap Tree and Fencing LLC.
o This program cannot be combined with other promotions or discounts.
o Asap Tree and Fencing LLC reserves the right to modify or terminate the layaway program at its discretion.
8. Contact Information:
o For inquiries or further information regarding the Layaway Program, please contact our office at (405) 974-1088 or beetstreeservice@gmail.com.
By enrolling in the Layaway Program, you agree to abide by the terms and conditions outlined above.

 

Home Equity Line of Credit (HELOC)

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Interest Rates: As of January 1, 2024, APR ranges from 7.45% to 12.95%. Rates are variable and may change monthly. The minimum APR is 3.00%, and the maximum is 14.00% or as permitted by law.

Loan Details:

• Borrowing Limit: Up to 100% of your home's appraised value, minus the first mortgage balance.

• Credit Limit: Varies based upon credit score and the chosen repayment program.

• Draw Period: Varies based upon credit score and the chosen repayment program.

• Repayment Period: Varies based upon credit score and the chosen repayment program.

Rate Structure:

• Up to 70% LTV (Loan-to-Value): APR 7.45%-11.95%

• Up to 80% LTV: APR 8.45%-12.95%

• 80.01% to 100% LTV: APR 9.45%-11.95%Application Requirements:• Completed application

• Proof of income (pay stub or tax returns if self-employed)

• Homeowners insurance information

• Deed or legal description of the property

Qualifying Guidelines:

• Total mortgage and installment payments should not exceed 43% of gross income.

• Property must be owner-occupied in Oklahoma.

• The combined mortgage balance should not exceed 90% LTV.Uses: Suitable for home improvements such as kitchen remodeling, bathroom updates, energy-efficient upgrades, and more.

Closing Costs:

• Typical costs range from $714 to $971, including appraisal ($450-$650), title report ($75-$130), filing fees ($30-$32), and flood certification ($9).

• A processing fee of $150 is due at closing.

• Title insurance required for loans of $100,000 or more, costing $365-$800.

Additional Terms:

• Maximum loan amount over 90% LTV is $50,000, with a minimum credit score of 660 required.

• Property insurance and potentially flood insurance are required.

• Fees are non-refundable. Failure to meet obligations may result in loss of property.

Consult a tax advisor for potential tax deductibility of the interest.