Single-room project
$10k–$35k
- Itemized estimate for lenders
- Milestone payment schedule
- Options sheet in plain words
- Phase split if it helps
- Questions to ask any lender
- Free, no obligation
Financing assistance · Free · No obligation
Renovation financing assistance that costs nothing
and sells you nothing.
We are a contractor, not a lender. We give you a lender-ready itemized estimate, explain how home equity lines, renovation loans, contractor financing partners and phased plans usually work, and match our payment schedule to the loan you choose. The help is free, and the choice of lender is always yours.
Text what you want to build and how you hope to pay. A financing coordinator replies within 5 minutes during business hours. No credit check from us.
- $0Cost of our help
- 24hLender-ready estimate
- 4.9410 reviews
- 4 waysOptions explained
What happens after you text us
A financing coordinator asks about the project, never about your credit score.
You tell us what you want to build and how you are thinking of paying. The coordinator explains what a lender will ask a contractor for, what the estimate must show and how payments would line up, then books the estimating visit.
- We explain how each route usually works and never pick one for you
- You get an estimate formatted the way lenders read them
- Our payment dates follow your loan, not the other way around
Hi, we want to redo the kitchen but do not have $50k sitting around. Our bank mentioned a home equity line. Can you work with that?
Hi Dana, this is Mark, I help homeowners plan how to pay for projects at ProBuild Remodeling. Yes, many of our kitchens are paid that way. The bank will want an itemized estimate from us, so the first step is a visit.
Do we need the loan approved before you come out?
No, the other way around. Our estimate tells the bank how much to plan for. We can also split the kitchen into two phases if the line is smaller than the full scope. I can come Tuesday at 6.
Tuesday is good. Will you tell us which option is best?
That choice is yours and your lender's. I will explain how each option usually works and give you a list of questions to ask the bank.
How we help at each project size
Our financing help is free at every size. What changes is the paperwork your lender needs.
The prices below are typical project costs, not fees. Most of the homeowners we help are planning a $35,000 to $100,000 remodel and comparing savings, a home equity line and contractor financing.
Major remodel
$35k–$100k
- Everything in Single-room
- Home equity routes explained
- Payments matched to loan draws
- Intro to financing partners
- Scope and plans for appraisal
- Free, no obligation
Whole house or addition
$100k–$250k+
- Everything in Major remodel
- Renovation loan documents
- Contractor packet for lender
- Draw inspections coordinated
- As-completed scope for appraisal
- Free, no obligation
Estimate the project you need to fund
Pick the project size, how much of the house it covers and the age of the house. The range shows a typical project cost to plan financing around; it is not a loan amount or an offer.
A range, not a quote. Your written estimate comes after the visit and does not change once you approve it.
Typical range for your answers
Get a lender-ready estimate for this rangeHow our clients pay
Nearly half pay from savings. Home equity is the next most common route.
How homeowners paid for our recent projects over $25,000. Many combine two sources, such as savings for the first phase and a home equity line for the second. This is a picture of what people chose, not a recommendation.
Get my lender-ready estimate
One project or a phased plan
Build it all at once when splitting costs more. Phase it when the steps stand on their own.
Phasing lowers what you pay at one time, but some work only makes sense done together. These six signs tell you which way your project leans, so the money plan fits the building plan.
| If this is true | Plan it as |
|---|---|
| Your savings or loan cover the whole scope | One project |
| Part of the work can wait without redoing anything | Phased plan |
| Splitting would mean tearing out work twice | One project |
| A lower payment matters more than finishing fast | Phased plan |
| Plumbing for both rooms runs through one wall | One project |
| A second bathroom can be added a year later | Phased plan |
How long it takes
Financing usually adds one to six weeks, and we plan the start date around it.
Savings and contractor financing move in days. Home equity lines take two to six weeks. Renovation loans take longer because the appraisal and lender review happen before building starts.
Week one
Estimate first
The visit and a lender-ready itemized estimate, so every option is compared against the same number.
Weeks one to three
Compare your options
You talk to your bank or credit union; we answer any question they ask about the scope or schedule.
Weeks two to six
Lender paperwork
Appraisal, contractor documents and a draw schedule are finished, then the start date is set.
During the build
Pay as work is done
Payments follow milestones or loan draws, each tied to inspected work you can see.
Remodeling concepts
Renovation financing assistance: conditions and possibilities.
AI-generated examples of existing conditions and remodeling possibilities. Each image is a separate concept, not a documented transformation of the same home.
Documents we prepare for lenders
Six documents lenders ask contractors for, ready before your bank requests them.
Most financing delays come from missing paperwork on the contractor's side. We keep a standard packet and tailor it to what your lender asks, so the bank is never waiting on us.
Itemized estimate
Every line priced by trade, with materials, labor, permits and contingency shown separately, the way loan officers review them.
License and insurance papers
Copies of our state license, general liability and workers compensation certificates, naming your lender where asked.
Plans and scope of work
Drawings and a written scope detailed enough for an appraiser to estimate what the house will be worth once the work is finished.
Draw schedule
A list of payment points, each tied to finished and inspectable work, matched to the way your lender releases the loan money.
Lien waivers
Signed releases after each payment showing that we and our suppliers were paid, so no one can claim a lien on your home.
W-9 and contractor forms
The tax form and the contractor questionnaire that FHA 203(k) and Fannie Mae HomeStyle lenders usually ask the builder to fill in.
Written into every contract
Six promises you can hold us to.
The approved price is the final price. Change orders only with your written approval.
A credit for every working day of delay we cause. Weather and inspections excepted, in writing.
Dust barriers, floor protection and a clean-up before we leave. Your home stays livable.
A text or email every working day with photos and tomorrow's plan, or the day is free.
Workmanship warranty in writing, transferable to the next owner, backed by a fixed address.
A small deposit, then you pay only for work that is already completed, inspected and photographed.
Who helps you
A financing coordinator and an estimator, both on your side of the table.
Neither of them sells loans. They prepare the numbers and papers your lender needs and explain how the options usually work, and you meet both by name before any paperwork starts.
AI-generated role illustrations. People shown are fictional, not photographs of your assigned crew.
Financing coordinator
Explains routes, gathers lender papers and tracks approval dates.
Project estimator
Writes the itemized estimate and reformats it for your lender.
Project supervisor
Meets draw inspectors on site and signs off on finished milestones.
Illustrative project scopes
Renovation financing assistance: scope and budget examples.
Planning examples with illustrative budgets and durations. These are not completed customer jobs, invoices or promises about your project.
Kitchen, home equity line
- Example budget
- $58,400
- Example duration
- 6 weeks
- Record type
- Illustrative scope
Bath and roof, renovation loan
- Example budget
- $47,900
- Example duration
- 7 weeks
- Record type
- Illustrative scope
Kitchen in two phases, savings
- Example budget
- $36,200
- Example duration
- 2 phases
- Record type
- Illustrative scope
Your situation is not average
Your finances and house are different. Here is how the help changes for them.
Every homeowner gets the same free help, then it adjusts for how you plan to pay and what the house needs. Pick the case closest to yours.
Buying a house that needs work
Some renovation loans roll the purchase and the remodel into one. They need a contractor bid before closing. We visit during your inspection period and deliver the estimate and contractor packet on the lender's timeline.
Get a bid for my renovation loanPaying for it in phases
Savings stretch further when the work is split well. We price each phase on its own, put the plumbing and wiring for later phases into the first one, and hold phase two prices in writing for an agreed number of months.
Plan my remodel in affordable phasesA budget smaller than the plan
When the estimate comes in higher than the money available, we show three versions at three prices: what to cut, what to swap for a lower-cost material and what to leave for later, so you choose with every number visible.
Show me the project at my budgetHelping a parent pay for changes
Adult children often share the cost of a safer bathroom or entry for a parent. We send the estimate to everyone who is paying, split invoices if asked and keep one person as the main contact for decisions.
Plan a shared budget for a parent's homeInsurance covers part of it
When a claim pays for storm or water damage, some owners upgrade beyond what insurance covers. We separate the insured repair from the upgrade on the estimate, so the adjuster and your lender each see only their part.
Split my insurance and upgrade costsAn urgent repair with no savings
A failed roof or a burst pipe cannot wait for a slow loan. We fix what stops the damage first, then help you look at faster routes such as contractor financing partners for the rest, without pressure to decide on the spot.
Get help paying for an urgent repairAn addition or whole house
Big projects often use a renovation loan or a construction loan with draws and inspections along the way. We prepare plans, a detailed scope and a draw schedule, and we meet the lender's inspector at every single draw.
Plan financing for my additionComparing a few options
Many homeowners weigh a home equity line against a renovation loan and a contractor partner. We give you a plain-words sheet on how each usually works and the questions to ask each lender, then step aside while you choose.
Get my options sheet and questionsWhat this service is
Renovation financing assistance, defined the way we offer it.
Renovation financing assistance is free help from your contractor with the building side of paying for a remodel: a lender-ready itemized estimate, a plain explanation of how common routes such as home equity lines, renovation loans, contractor financing partners and phased plans usually work, and the contractor documents and payment schedule your lender needs. ProBuild Remodeling provides it at no cost and with no obligation.
The service covers estimates formatted for lenders, license and insurance papers, plans and scope for appraisers, draw schedules matched to loan draws, lien waivers and meetings with draw inspectors. It does not include lending money, running credit, recommending a specific loan or quoting interest rates. We are not a lender or a financial advisor; rates and terms come only from the lender you choose.
It is for homeowners paying for a remodel with a loan, a home equity line, a mix of savings and credit, or in phases, and for adult children helping a parent pay. It is not for anyone looking for financial advice on which loan to take, which belongs with a lender or a licensed advisor.
The words you will see in financing paperwork
- HELOC
- A home equity line of credit: a credit line secured by your home that you draw from as needed and repay over time.
- Home equity loan
- A lump-sum loan secured by your home, usually repaid in fixed monthly payments over a set number of years.
- Renovation loan
- A mortgage that includes the cost of repairs or remodeling, such as FHA 203(k) or Fannie Mae HomeStyle.
- Draw schedule
- The plan for when a lender releases loan money to pay for work, usually after each stage is inspected.
- Lien waiver
- A signed paper confirming a contractor or supplier was paid, so they cannot place a claim on your property.
- As-completed value
- The appraised value of the house once the planned work is finished, used by some lenders to set the loan.
- Contingency
- An amount set aside in the budget, often 10 to 15 percent, for problems found once walls are opened.
- Milestone payment
- A payment due when a defined part of the work is finished and approved, rather than on a calendar date.
Questions we hear about paying for a remodel
The eight financing questions we can answer as your contractor.
What is the difference between a HELOC and a renovation loan?
A home equity line of credit borrows against the equity you already have and works like a credit line. A renovation loan, such as FHA 203(k) or Fannie Mae HomeStyle, can lend on the value the house will have after the work, which helps owners with little equity. Your lender explains which you qualify for.
Can I finance a remodel if I just bought the house?
Often, yes. Some renovation loans combine the purchase and the remodel into one mortgage, but they need a contractor bid before closing. Others finance the work after you move in. We can deliver a bid during your inspection period.
What does a lender need from my contractor?
Usually an itemized estimate, a copy of the contractor's license and insurance certificates, a W-9, plans and a written scope, and a draw schedule. Renovation loans often add a contractor questionnaire. We keep all of these ready.
What is a draw schedule on a renovation loan?
It is the plan for when the lender releases money during the project, usually four to six payments tied to finished stages, each checked by an inspector before the money is sent. We match our payment schedule to it.
Is your financing help really free?
Yes. Preparing estimates, documents and explanations for your lender is part of how we work, and it is free whether or not you end up building with us. We never run your credit or share your details without permission.
Do you recommend a loan or quote interest rates?
No. We are a contractor, not a lender or financial advisor. We explain in general terms how each route usually works and what questions to ask; the rates, terms and choice come from you and your lender.
How long does renovation loan approval take?
It varies by lender. Home equity lines often take two to six weeks. Renovation loans that include an appraisal and contractor review can take longer. We schedule your start date once the lender confirms funding.
Can I pay for part of the remodel with savings and finance the rest?
Yes, many homeowners do. A common pattern is savings for the first phase or the deposit and a home equity line for the rest. We can split the estimate so each source pays for clearly defined parts of the work.
Financing assistance near you
Your remodeling address, within our service area.
The estimate and contractor documents come from our licensed team in your state, and license numbers are listed state by state for your lender to verify.
- Maine
- New Hampshire
- Massachusetts
- Rhode Island
- Connecticut
- New York
- New Jersey
- Pennsylvania
- Delaware
- Maryland
- Virginia
- North Carolina
- South Carolina
- Georgia
- Florida
- Check your remodeling address
Free financing help
Send your answers now. Get a lender-ready estimate after the visit.
A financing coordinator reads your answers, replies within 5 minutes during business hours and books the estimating visit. No credit check, no obligation.