Of course every little bit is always plus but you might want to do a little research on interest rates as to how much difference they really make in a monthly payment.
Length of loan can make much more of a dollar difference in monthly payment and total interest paid.
At 3 to 4% interest I’d be ballparking $1,500 to $2,000 in interest over a four year period. Man proposes and God disposes of course, but in a perfect world God willing I’d pay off the house and then get the vehicle paid off in three.
Ain’t looked into home renovation loan rates but I could prob’ly make it good as new inside and out for about half its current market value and then live like a regular person again if I wanted.
