Financing
Make the project financeable.
Most ambitious remodels and additions get done with a mix of cash and financing. Here's how the conversation usually goes — and how we work with your lender.
Cash & out-of-pocket
Simplest path. We invoice on a milestone schedule that matches the build, so you're never paying for work that hasn't started.
HELOC / home equity
The most common path for whole-home remodels and backyard projects. Your bank's HELOC team will already know the drill — we provide the documentation they need.
Renovation loans
Fannie Mae HomeStyle, FHA 203(k), and similar products roll the project cost into a refinance. Best for big-scope renovations on homes with limited equity.
Construction loans
Right fit for additions, second-story add-ons, and new structures (ADUs, detached garages, pool houses). Draws follow the build schedule; we coordinate with your lender on inspections.
Common questions
- Do you have a preferred lender?
- We work with regional banks and credit unions our clients have had good experiences with — but we don't take referral kickbacks, and we won't push you toward a specific lender. Our job is to deliver the build, not to broker the loan.
- Can you give me a project cost before I apply for financing?
- Yes. The free walkthrough is the entry point — we'll come look at the project, ask the questions that surface real scope, and give you a written proposal you can take to a lender. Most renovation and construction loans require a contractor proposal as part of the loan application anyway.
- How are payments structured?
- Milestone-based draws tied to the build schedule. Typical structure: a deposit at contract signing (covers permits, design lock-in, and material orders), then progress draws at framing, mechanical rough-in, drywall, and substantial completion. Final payment is held until the punch list is signed off.
- Do you handle the lender paperwork?
- We provide the contractor-side documentation (proposals, change orders, lien waivers, certificates of insurance, draw schedules) that lenders ask for. We don't fill out your loan application — that's between you and the lender — but we'll work with whoever they assign as the construction-loan administrator.
Step one is the walkthrough.
Lender or no lender, the conversation starts the same way: we come walk the project, scope it honestly, and give you a written proposal you can plan around.
Book a Walkthrough