Flexible Financing
Make Your Dream Home a Reality
Don't let budget hold you back from the home you deserve. Flexible financing with competitive rates and no hard credit pull to pre-qualify.
Financing Options Available
We partner with leading lenders to offer options that fit every project size and financial situation.
Home Improvement Loan
- Fixed rates from 6.99% APR
- Loan terms from 24 to 84 months
- No home equity required
- Borrow $5,000–$100,000
- Approval in 24–48 hours
- Funds in 3–5 business days
Home Equity Line of Credit
- Variable rates tied to prime
- Use your existing home equity
- Interest may be tax-deductible*
- Revolving credit — use as needed
- Great for phased renovations
- Longer repayment terms available
0% Promotional Financing
- 12–18 month no-interest periods
- Ideal for $5,000–$25,000 projects
- No prepayment penalties
- Simple online application
- Same-day decisions available
- Multiple lender options
How It Works
01
Apply in 2 Minutes
Complete a simple online or phone application — basic personal and income information only.
02
Get Pre-Qualified
Receive a decision with no hard credit inquiry. Know your rate and terms before committing to anything.
03
Choose Your Terms
Select the loan amount, rate, and repayment term that fits your monthly budget and timeline.
04
Start Your Project
Funds are available within days of final approval — your project starts on schedule.
Sample Monthly Payments
Estimates based on a fixed-rate home improvement loan. Actual rates vary by creditworthiness.
| Project Amount | Interest Rate | Loan Term | Est. Monthly Payment |
|---|---|---|---|
| $25,000 | 7.99% APR | 60 months | ~$507/mo |
| $50,000 | 7.99% APR | 84 months | ~$763/mo |
| $75,000 | 8.49% APR | 84 months | ~$1,168/mo |
| $100,000 | 8.99% APR | 120 months | ~$1,267/mo |
*Rates shown are estimates only. Not a commitment to lend. Actual rates depend on creditworthiness and lender terms.
Why Finance Your Remodel?
Preserve Your Cash Flow
Keep your savings intact for emergencies and other goals — spread project costs over manageable monthly payments.
Beat Rising Material Costs
Construction material costs have been volatile. Starting your project now and financing it locks in today's prices.
Add Value Immediately
Enjoy your renovated home right away while it increases in value — don't wait years to save while living in a space you don't love.
Flexible Payments
Choose terms from 2 to 10 years to find the monthly payment that works for your budget — no one-size-fits-all approach.
Common Questions
Financing FAQ
Ready to Start Your Project?
Apply for financing today and turn your vision into reality — with monthly payments that fit your budget.
Mon–Fri 8am–6pm · Sat 9am–4pm · Orange, Ulster & Dutchess Counties