Paying for your project, made clear
Great work shouldn’t stall over how to pay for it. Here’s plain-English look at the
most common ways homeowners finance remodels, additions, and new builds
so you can walk into a lender conversation already knowing your options.
Home Renovation & Remodel
For kitchens, baths, additions, and full refreshes — the routes most of our clients use.
Affirm
Up to $30,000
Quick approval • Monthly payments
See your rate in seconds with no impact to your credit score. Fixed monthly payments make it easy to budget.
Soft credit check
Decisions in minutes
Fixed monthly payments
No prepayment penalty
Upstart
Upstart is a personal loan option for funding your remodel, no home equity or collateral required. Borrow $1,000 to $75,000 with a fixed 3- or 5-year term and predictable monthly payments. Checking your rate takes under 5 minutes and won't affect your credit score, and approved funds can arrive in as little as one business day. A great fit if you'd rather not put your home on the line.
Home Equity Loan
A second loan against the equity you've built in your home, paid out as one lump sum at a fixed
rate with steady monthly payments. A remodel with a clearly defined scope and budget, where predictable payments matter.
HELOC (Home Equity Line of Credit)
A revolving credit line secured by your equity. You borrow what you need during a set draw
period, often paying interest only on what you've used, then repay over time. Best for phased or open-ended projects where the final number isn't locked in yet.
Cash-Out Refinance
You refinance into a larger mortgage and take the difference as cash to fund the work, leaving
you with a single monthly payment. Best for homeowners with strong equity who can refinance into a comparable or better rate.
Personal Loan / Contractor Financing
An unsecured loan, sometimes arranged through a lending partner, that funds a project
without using your home as collateral. Best for smaller projects, fast turnarounds, or homeowners without much equity.
New Builds, Additions & Major Projects
Ground-up construction, ADUs, and large additions are usually funded differently — money is released in stages
as the work gets done. Here's the full lineup.
Construction-Only Loan
Short-term financing (often 6–12 months) that covers the build and is released in stages. When
the home is finished, it's paid off, in cash or by refinancing into a permanent mortgage (an "end loan").
Best for borrowers who want to shop separately for their long-term mortgage and don't mind two sets of
closing costs.
Construction-to-Permanent (Single-Close)
One loan that starts as construction financing and rolls into a permanent mortgage when the build
is complete, no second closing. Best for borrowers who want a single set of closing costs and the option to lock a long-term rate up front.
Construction-to-Permanent (Single-Close)
A construction loan for borrowers managing their own build. Lenders treat these as higher-risk, so
expect tougher qualifying, strong credit, cash reserves, and proven building experience. Best for experienced builders who can document their track record and devote the time to manage the
project.
Conventional Mortgage
A loan from a private lender that isn't insured by a government program, with flexible terms
(15/20/30 years, fixed or adjustable). Private mortgage insurance typically applies with less than 20%
down. Best for buyers with good credit and a down payment who want competitive rates without
program-specific rules.
FHA New-Construction Loan
A government-insured option with more accessible terms, as little as 3.5% down with a
qualifying credit score, often structured as a single close. Best for buyers with limited cash or less-than-perfect credit. The trade-off is FHA mortgage insurance
and extra inspections.
VA Construction Loan
For eligible veterans, active-duty members, and certain spouses, up to 100% financing with no
private mortgage insurance. Few lenders offer the construction version. Best for qualifying borrowers. Many veterans build conventionally first, then refinance into a VA loan once the home is done.
End Loan
The long-term mortgage that pays off a
construction-only loan once the home is complete.
You typically re-qualify near the end of the build, so your finances and market rates at that point set the final
terms. Best for anyone using construction-only financing, worth planning for from day one.
Bridge Loan
Short-term financing that bridges the gap between selling your current home and funding the new
one, so you can access your equity before the sale closes. Best for homeowners who need their existing equity now. The trade-off is higher rates and possibly two payments at once.
Builder-Funded Loan
The builder funds construction with their own capital or a loan in their name; you simply purchase
the finished home with a standard mortgage at completion, no construction loan on your side.
Best for buyers who want to skip the construction-loan process. The trade-off is less control over the
build and possibly a higher purchase price.
FEATURED PROJECTS
Have the financing? Let's build it.
Once you know how you're funding the project, we'll handle the rest. From the first walk through to the final reveal, you'll get clear, detailed estimates with no surprises, craftsmanship that holds up for years, and a family-led crew that treats your home like our own. We've been building and remodeling across the Coachella Valley for years, and we're here to make the whole process feel straightforward. Honest communication, quality work, and a team you can genuinely trust from start to finish.