Savings
The most common source. Milestone payments mean the money leaves your account only as the work is done, not months ahead.
Payments and financing
How you pay us, and when each payment is due.
A small deposit, then payments tied to finished, inspected work. If you would rather pay monthly, a financing partner can spread the cost, and a phased plan can split a large project into smaller contracts.
The milestone schedule
Four payments, each tied to work you can see.
The exact shares depend on the size of the project and appear in your contract before you sign. The rule never changes: you do not pay for work that is not finished.
| When | Payment | Amount | What must be done first |
|---|---|---|---|
| Signing | Deposit | Small, capped at what your state allows | Reserves your start date and orders long-lead materials |
| After demolition and rough-in | Second payment | Share stated in your contract | Walls open, inspections passed, photos sent to you |
| After the main installation | Third payment | Share stated in your contract | Cabinets, tile, fixtures or framing in place and photographed |
| After the walkthrough list is closed | Final payment | The balance, minus any on-time credits | Every item on the walkthrough list done and signed off by you |
Ways to fund a remodel
Five ways homeowners pay for a remodel.
We do not lend money and do not steer you to one lender. These are the options our clients use most, so you can talk to your bank with the right questions.
Home equity line
A line of credit against the value of your home, usually at a lower rate than cards. Your bank decides the terms; we give them the estimate they ask for.
Renovation loan
Some loans are based on the value of the home after the work. They need a detailed, itemized estimate, which is exactly what we produce.
Financing partner
For homeowners who want a monthly payment, a consumer financing partner can approve a plan at the estimate stage. Terms are shown before you commit.
Phased project
One plan split into two or three smaller contracts, each paid on its own schedule, built so each phase fits the next.
Insurance claim
For storm, water or fire damage, the claim may pay for much of the repair. We document the damage and write the scope the adjuster needs.
Before you borrow
Three numbers to have before you talk to a lender.
Lenders ask the same three questions, and each one comes straight from the written estimate. Having them ready shortens the conversation and keeps the loan sized to the real project instead of a guess.
- The fixed contract price for the tier you chose, not the range
- The contingency amount, which some lenders include in the loan and some do not
- The dates of each milestone payment, so the draw schedule matches the work
We are a contractor, not a lender or a financial advisor, so we cannot tell you which option is best for your finances. We can give your lender any document they need from us within a day. Compare financing options with a planner.
Price first, then payment
Know the number before choosing how to pay it.
Your written estimate shows the fixed price, the milestone dates and, if you ask, a monthly figure from our financing partner.