Financing your project

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 are setting up financing relationships now, with priority on larger remodeling work and on HVAC, heat pumps, electrical and panel upgrades, roofing, insulation, windows, ADUs, additions and other energy-efficiency improvements, including commercial and multi-family projects where a program allows it.

Until a partnership is signed we will not quote you a rate, a term or a monthly payment. When one is, this page will name the lender 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.