Ways to pay for your project
Most of our clients finance larger projects. Here are the options they use most, and how our payment schedule fits around them.
Common financing options
We are a builder, not a lender. We are glad to talk with your bank and provide the budgets, drawings, and schedules they ask for.
Home equity line of credit
Best for remodels and additions
Borrow against the equity in your current home and draw funds as milestones are reached. Interest is typically paid only on what you use.
Renovation loan
Best for major remodels and purchases
Loans based on the home's value after the work is done, which can help when current equity alone will not cover the project.
Construction-to-permanent loan
Best for new custom homes
One loan that funds the build in stages and converts to a standard mortgage when your home is complete, with a single closing.
Pay as the work gets done
Payments follow construction milestones written into your contract, so you never pay far ahead of finished, inspected work. Lenders like this structure because it matches how construction draws are released.
Typical remodel schedule
- 1Contract signing10%
- 2Rough-in complete30%
- 3Drywall and cabinets30%
- 4Finishes installed20%
- 5Final walkthrough10%
New homes follow a longer draw schedule set with your lender.
Know your number before you apply
A written, itemized estimate is the first thing any lender will ask for. We provide one free after a site visit.