hi chivz, hehe, sorry na deadma ang query, nyways, if you want convenience, smooth process and peace of mind, I'll say go for an agency, kay suito na kay na sila, all you have to do is wait for their instructions, to give this and that, and one advantage of an agency is, ilado na sila sa embassy, so it's more of a referral pud from them, and from what I heard, about 99% agency processed is without interview, I for one, didnt go through it, and wa koy gi buhat other than giving them the docs they need, they even fill out the form for me, now, mao na xa if you have a few thousands to spare (about 60K sa ako), but if kugihan pud ka mu research2x and is use to "do it yourself" things, then, I can say, it's not that hard to self apply, all the information is there, you just have to look for it. I'm not so familiar with the agencies sa cebu, I heard about CIC, daghan ko kaila na ato sa ila, but mine is Enhance Immigration, based on my experience, I didn't have an issue with them, responsive and good service, if you want, I can give you the number of my agent, I have no complains on her service, maau xa mu handle ug client, hope this helps