Ledger · Money Side of the Build
Three ways to fund it.
Zero ways to surprise you.
We don't lend money — we sit across the table with a vetted lender desk and match the scope to the right product. Same contract price whether you wire, write a check, or draw.
Soft pull · No score impact · 7-day funding
Section 01 · Product Ledger
Pick the line that fits the scope.
Three financial instruments. One conversation. We tell you which one we'd sign for if it were our kitchen.
- L-01
Equity Release
Qual · Homeowner · 62+Convert built-up equity into project capital. No monthly note for as long as the home is your primary residence. Title stays in your name.
Aging-in-place remodelsWalk-in showers, ramps, widened hallsWhole-home refreshes for retirees- Payment
- $0 / month
- Term
- Life of residency
- Ceiling
- Up to home equity
- L-02
Project Term Loan
Qual · 500+ FICOUnsecured, fixed-rate, fixed-payment. No second lien on the house. Funded in 7–14 days so demo can start the week we sign.
Additions and pop-topsADUs and casitasWhole-home rebuilds- Payment
- Fixed monthly
- Term
- 5 – 20 yrs
- Ceiling
- Up to $200,000
- L-03
HELOC Sync
Qual · Bring your bankAlready approved at your credit union? We tie our draw schedule to your line and invoice the bank directly — you only pay interest on what we've actually drawn.
Existing HELOC holdersMulti-phase remodelsTax-aware financing- Payment
- Draw-based
- Term
- Lender-set
- Ceiling
- Lender-set
Section 02 · How the money moves
Four steps. No mystery fees.
- 01
Walk-through
Free, in your home. We measure, talk scope, sketch the rough number.
- 02
Match
We line the scope up against the three products and recommend a fit.
- 03
Soft pull
Pre-qualify with our lender desk. No hard pull, no impact on your score.
- 04
Sign + start
Lump-sum contract, fixed draws, schedule locked. Funding clears in 7–14 days.
Section 03 · Fine print, read aloud
The questions we answer on every call.
Nothing tucked into a footnote. If we can't say it on a porch in plain English, it doesn't go in the contract.
- Does the soft pull hit my credit score?
- No. Pre-qualification uses a soft inquiry that's invisible to other lenders and doesn't move your FICO.
- Can I combine products?
- No. Each project funds through a single product — we pick the one that best fits the scope on the walk-through so the paperwork stays clean and the payment is predictable.
- Do you upcharge for financed jobs?
- Never. The contract price is the contract price whether you pay cash, wire, check, or draw.
- How fast can we break ground?
- Term-loan funding clears in 7–14 business days. Equity products run 21–35 days depending on appraisal.
Next move
Tell us the scope and the ceiling.
We'll walk the house, line the scope against the three products and quote a number you can take to the table. No pressure, no paper to sign at the door.
Book a budget walk-throughExpert Remodeling is not a lender. All financing products are originated by NMLS-licensed lending partners; terms subject to credit approval.