Payment planning

What a remodel costs per month.

A $22,000 bathroom is a large number in one piece and a manageable one spread over years. Run it yourself below, with your own rate — no email, no credit check, no application.

Project amount

Use the number from your walkthrough, or an estimate from the calculator.

$22,000

$5,000$80,000

Annual interest rate

Enter the rate you have actually been offered. We deliberately do not preset a flattering number here.

9.50%

0%20%

This is an illustration, not an offer. It is standard amortisation arithmetic on the numbers you enter. It does not include origination fees, insurance, or promotional deferred-interest structures, any of which change the real total. Your actual terms come from the lender.

Term	Monthly	Total paid	Interest

The trade-off, plainly

A longer term lowers the monthly payment and raises the total interest — sometimes by thousands. Both columns are shown above for exactly that reason. Pick the shortest term whose monthly payment you can comfortably carry.

Ways people pay for this

Four routes, with the honest downside of each.

Cash or savings

No interest, no application, no lien. The downside is opportunity cost and draining a reserve — do not spend your emergency fund on a kitchen.

Home equity loan or HELOC

Usually the lowest rate available because the loan is secured against your house. That security is the risk: default has consequences an unsecured loan does not. Worth pricing at your own bank or credit union.

Unsecured remodel loan

Fast, no lien on the property, fixed monthly payment. Higher rate than a HELOC, and the rate you are offered depends heavily on your credit.

Promotional / deferred interest

Genuinely good if you clear the balance inside the promotional window. If you do not, many structures charge interest retroactively on the full original amount. Read that clause before signing.

We are contractors, not financial advisers. Nothing here is financial advice, and we do not receive a referral fee that would make one of these routes better for us than another. If a contractor pushes you hard toward a specific lender, ask what they are paid for it.

Payment schedule

How our payments are structured.

Each payment is tied to completed work, and the schedule is in the contract before anyone starts.

Deposit

Secures the schedule and covers material ordering. Named in the contract as a dollar amount.

Progress payments

Tied to defined milestones — rough-in complete and inspected, cabinets set, tile complete.

Final payment

Due after the completion walkthrough and the punch list is cleared. Not before.

Change orders

Priced and signed in writing before the work happens. Never a verbal “we will sort it out at the end”.

Warranty

10-year workmanship through our home service partners, plus every manufacturer registration handed over.

Financing FAQ

Questions worth asking.

Do you offer financing directly?

We are not a lender. Remodel financing is arranged through third-party lending partners, and the rate you are offered depends on your credit, the amount, and the term — not on anything we control. That is why the tool on this page lets you enter your own rate instead of us advertising a headline number that most applicants will not receive.

What about “0% for 12 months” offers?

Promotional-rate offers are real, and they are worth taking if you will clear the balance inside the promotional window. Read how the deferred interest works: with many promotional structures, if any balance remains at the end of the period, interest is charged retroactively on the original amount from day one. That turns a good deal into an expensive one. If you are not confident you will clear it, a plain fixed-rate loan is usually the better decision.

Is a HELOC better than a contractor loan?

Often, yes — home equity lines and loans typically carry lower rates than unsecured remodel financing because your house is the collateral. That is also exactly the risk: a missed payment on a HELOC has consequences a missed payment on an unsecured loan does not. We are contractors, not financial advisers, and this is a decision worth taking to your own bank or credit union.

Do you require a deposit?

Yes, and the schedule of payments is written into the contract with each payment tied to a completed milestone. Be cautious with anyone who wants a large majority of the project cost before work starts — payment tied to progress is normal and protects both sides.

Does financing change my price?

No. The fixed price from your walkthrough is the fixed price. We do not run a cash price and a finance price, and no one turns up at your door with a discount contingent on signing tonight.

Fixed price in 24 hours

Know the number before you plan the payment.

Book the 30-minute walkthrough. Written fixed price within 24 hours.

Book a 30-Minute Walkthrough Try the Cost Calculator Talk to the project owner (512) 844-5900