How it works
Three options most homeowners consider.
Project loan
Unsecured project loan through a California-licensed partner. Faster to set up than a HELOC; rates are typically higher than home-equity-secured options.
HELOC (home equity line of credit)
Lower rates than unsecured loans, secured against home equity. Set-up takes longer (typically 4–8 weeks), which usually fits inside design and permitting.
Cash / phased budgeting
Some homeowners prefer to pay as work progresses. We can phase work to align with how you want to fund the project.
Honest note
We don't take a referral fee from lenders, and the contract price stays the same whether you finance, use a HELOC, or pay cash.
Financing questions
Common questions
- We partner with a California-licensed lender that handles application, underwriting, and disbursement directly with you. Your project budget is approved separately from the construction contract, and funds are typically disbursed in stages as work completes.