Financing
Pay for your remodel the way that fits your finances
We work with lenders who specialize in residential remodeling, and we coordinate directly with your bank when you use home equity. Financing never changes your price.
Preferred financing partner
Finance your remodel with HFS Financial
Check your options online in minutes. HFS Financial offers home improvement loans for kitchens, bathrooms, whole-home remodels, and additions.
Options
Five ways Houston homeowners fund a remodel
All plans are through third-party lenders. We do not add finance charges, dealer fees, or a different cash price.
HFS Financial
Our preferred financing partner. Apply online in minutes with no impact to your credit score to check options.
Best for most kitchen, bath, and whole-home projects — see your terms before you sign.
0% for 12 Months
Deferred-interest plan for projects from $5,000 to $55,000.
Best for single-room kitchen or bath remodels you plan to pay off within a year.
Fixed-Rate Installment Loan
Terms from 36 to 180 months, rates starting at 6.99% APR for qualified buyers.
Best for whole-home remodels and additions where a predictable monthly payment matters.
Reduced-Payment Plan
Lower monthly payments during construction, stepping up after completion.
Best for homeowners bridging a sale, bonus, or retirement distribution.
Home Equity & HELOC Coordination
We work directly with your lender's draw schedule and provide the documentation appraisers ask for.
Best for larger projects where you want the lowest available rate.
Rates and terms shown are examples for qualified buyers and are subject to lender approval. Deferred-interest plans charge accrued interest if the balance is not paid in full within the promotional period.
How it works
From application to draw schedule
- 1
Apply online in about ten minutes — soft credit pull first, no impact on your score.
- 2
Receive a decision, usually the same business day, with the terms you qualify for.
- 3
Choose your plan and we build the payment schedule into your fixed-price contract.
- 4
Draws are released as milestones complete, so you never pay ahead of the work.
Budget honesty
What your money buys before you borrow it
We give you real investment ranges at the free consultation so you can decide whether to proceed before spending anything on design.
- Line-item proposals, not lump sums
- Allowances set from real showroom pricing
- Change orders priced and signed in advance
- Payments tied to completed milestones
Cost and budget questions
Not sure what your project should cost?
We will walk your home, measure, and give you honest ranges for free — before any design fee or financing conversation.