Paying for the work
Financing your project
How payment is structured on our projects, and an honest note about third-party lending.
How our payment schedule works
California law limits what a contractor may take as a down payment on a home improvement contract, and we work within it. Beyond that, payments are tied to completed milestones written into your contract, not to a calendar, and not in advance of work performed.
You will see the full schedule in the proposal before you sign anything. If a payment point is unclear, ask, and we will rewrite it so it is not.
Third-party financing
Many homeowners finance remodeling through a home equity line, a cash-out refinance, or a dedicated home improvement loan. Those are financial products, and choosing between them is a conversation for a lender or a financial adviser, not a contractor.
We do not currently promote a specific lending partner, and we will not quote you a rate, a term or a monthly payment. If that changes, this page will name the partner explicitly rather than sending you through an unmarked link.
What actually controls the budget
The largest cost lever on almost every project is scope, not financing. Whether the kitchen layout moves, whether the addition needs a second story, whether the panel has to be upgraded, those decisions move the number far more than a percentage point on a loan. We would rather help you get the scope right first.
Want to talk budget before design?
Call (818) 747-7676 and we will talk it through.