Transform Your Home Today with Flexible Financing
Don't let budget hold back your dream kitchen, bathroom, or home addition. Multiple financing solutions with competitive rates for Vancouver and Clark County homeowners.
Smart Reasons to Finance Your Remodel
Financing your home improvement project is a strategic decision that lets you enjoy your dream space now while spreading the cost over time.
Preserve Savings
Keep your emergency fund and savings intact. Financing allows you to invest in your home without depleting your financial safety net.
Increase Home Value
Kitchen and bathroom remodels typically return 60-80% of their cost in home value. Your investment pays for itself over time.
Manageable Payments
Break your project cost into affordable monthly payments that fit your budget. Choose terms from 12 to 144 months.
Fast Project Start
Don't wait years to save up. Get approved quickly and start enjoying your dream space sooner with pre-approval in as little as 24 hours.
Find the Right Financing for Your Project
We partner with multiple lenders to offer a range of financing solutions. Compare options below to find what works best for you.
Contractor Financing
- Quick pre-approval in 24 hours
- No home equity required
- Fixed monthly payments
- Multiple term options
HELOC
- Revolving line of credit
- Only pay interest on what you use
- Tax-deductible interest (consult CPA)
- Flexible draw schedule
Home Equity Loans
- Fixed interest rate
- Predictable monthly payments
- Larger loan amounts available
- Potential tax benefits
Personal Loans
- No home equity needed
- Unsecured - no collateral required
- Fast funding in days
- Good for smaller projects
Promotional Credit
- No interest if paid in full
- Introductory promotional period
- Great for mid-size projects
- Subject to credit approval
* Rates and terms are estimates and subject to credit approval. Actual rates may vary based on creditworthiness, loan amount, and term length.
See What Your Payments Could Look Like
Use the table below to estimate monthly payments for common project sizes across different term lengths and rates.
| Project Cost | 36 Mo7.99% APR | 60 Mo8.99% APR | 84 Mo9.99% APR | 120 Mo10.99% APR |
|---|---|---|---|---|
| $10,000 | $313/mo | $208/mo | $166/mo | $140/mo |
| $25,000 | $783/mo | $519/mo | $415/mo | $350/mo |
| $50,000 | $1,566/mo | $1,038/mo | $830/mo | $699/mo |
| $75,000 | $2,349/mo | $1,557/mo | $1,245/mo | $1,049/mo |
* Payment estimates are for illustrative purposes only and do not constitute a loan offer. Actual payments will vary.
Bathroom Remodel
$15K - $35K
Kitchen Remodel
$25K - $75K
Home Addition
$50K - $150K+
Whole-Home Renovation
$75K - $200K+
Six Simple Steps to Get Started
From your first consultation to project kickoff, our streamlined financing process keeps things simple and stress-free.
Free Consultation
Schedule a no-obligation consultation to discuss your project vision, goals, and budget. We will provide an honest estimate.
Review Options
Our team presents financing options tailored to your credit profile, project scope, and monthly budget preferences.
Submit Application
Complete a simple application online or in person. Most applications take just 10-15 minutes with minimal documentation.
Receive Approval
Get a decision in as little as 24 hours for contractor financing, or 5-10 business days for equity-based loans.
Sign & Lock Rate
Review your terms, sign the agreement, and lock in your interest rate. No surprises or hidden fees.
Start Project
Once financing is in place, we begin transforming your home. Funds are disbursed based on project milestones.
Financing Questions Answered
Get answers to common questions about financing your home remodeling project. Still have questions? We are happy to help.
What credit score do I need to qualify for financing?
Credit requirements vary by program. Contractor financing typically requires a minimum score of 640. Some personal loan lenders work with scores as low as 600. For home equity products (HELOC or home equity loans), most lenders prefer a credit score of 680 or higher. During your consultation, we can help identify which options best fit your credit profile.
How much can I borrow for my remodeling project?
Loan amounts depend on the financing type. Contractor financing ranges from $5,000 to $100,000. Home equity products can provide up to $250,000 or more depending on your available equity. Personal loans typically cap at $50,000. We will help you determine the right amount based on your project scope and financial situation.
What interest rates can I expect?
Rates depend on your credit score, loan type, and term length. Contractor financing starts at 5.99% APR for qualified borrowers. Home equity loans range from 6.5% to 10% fixed. Personal loans range from 8% to 18% depending on creditworthiness. We work with multiple lenders to find you the most competitive rate available.
How long does the approval process take?
Approval timelines vary by loan type. Contractor financing can provide pre-approval within 24 hours and final approval in 2-3 business days. Home equity loans and HELOCs typically take 5 to 10 business days due to appraisal requirements. Personal loans can be funded within 2-5 business days after approval.
Do I need home equity to qualify?
Not for all options. Contractor financing and personal loans do not require any home equity - they are based on your creditworthiness and income. HELOCs and home equity loans do require sufficient equity in your home (typically at least 15-20%). We offer options for homeowners at every equity level.
Can I get approved if I am self-employed?
Yes, self-employed borrowers can qualify for all financing types. You will typically need to provide two years of tax returns, profit-and-loss statements, and bank statements to verify income. Some lenders offer bank-statement-only programs for self-employed applicants with strong deposit history.
Are there prepayment penalties?
Most contractor financing programs have no prepayment penalties, meaning you can pay off your loan early without additional fees. Some home equity products and personal loans may include prepayment clauses, so we always review the fine print with you before signing. We prioritize lenders that offer penalty-free early payoff.
Can I finance multiple projects at once?
Yes, depending on the financing type. A HELOC works well for multiple projects because it is a revolving line of credit - you can draw funds as needed for different phases or projects. For contractor financing and personal loans, each project would typically require a separate application, though some lenders allow consolidation.
Have a question not listed here? Contact us and we will be happy to help.
Ready to Start Your Project?
Financing makes your dream remodel more affordable than you think. With monthly payments starting as low as $140, there is no reason to wait. Our team will guide you through every step of the financing process.
- No-obligation consultation and project estimate
- Pre-approval in as little as 24 hours
- Multiple financing options to fit your budget
- Licensed, insured, and trusted in Clark County
Free Estimate - No Obligation
Let's Get You A Free Quote on Your Remodeling Project
Ready to transform your home? Contact us today for a no-obligation consultation and detailed estimate.