Financing
Pay over time. Live in the result now.
We partner with specialized renovation lenders to offer 0% promotional financing, low fixed-rate term loans, and renovation construction loans for larger projects.
Three financing paths
Option 1
0% Promotional
0% interest for 12, 18, or 24 months for qualified MD homeowners. Best for projects $5K–$60K paid back inside the promo period.
Terms: 12/18/24 months · Subject to credit approval
Option 2
Fixed-Rate Term Loan
Fixed monthly payment over 5–15 years. Rates competitive with HELOCs but no home equity required. Best for projects $30K–$150K.
Terms: 5/7/10/15 years · Fixed APR
Option 3
Renovation Construction Loan
For whole-home and addition projects $150K+. Funds disbursed as work progresses. Refinances into a permanent mortgage at completion.
Terms: 12-month construction phase · Refinance at end
FAQ
Financing FAQ
What credit score do I need for financing?
Promotional 0% offers typically require 680+ FICO. Term loans available down to 620+. Renovation construction loans typically require 700+ and 20%+ home equity.
Will applying hurt my credit?
Initial pre-qualification uses a soft pull and does not impact your score. Only when you accept and proceed with the full application is a hard pull made.
Can I combine financing with cash?
Yes — most homeowners pay a portion at signing and finance the balance. We structure the contract to match your preferred mix.
How long is the application process?
Pre-qualification: 5–10 minutes online. Full approval: 24–72 hours. Funds available before project starts in most cases.
Are there prepayment penalties?
Promotional 0% loans have no prepayment penalties — you can pay off early. Term loans vary by lender; we disclose before you sign.
Free In-Home Consultation
Ready to talk financing options?
Discussed at every free estimate. Call (877) 704-1146.