How Financing Works

Complete a short online application with basic information about your project scope and financial profile. The pre-qualification uses a soft credit inquiry that does not impact your credit score.

• Takes less than 5 minutes to complete
• No Social Security number required for pre-qualification
• Soft credit pull only — no impact on your score
• See estimated rates and terms instantly

Once you select a financing option and submit your full application, our lending partners review and issue a decision within one to two business days. You will receive a clear breakdown of your rate, term, and monthly payment.

• Full credit review with selected lender
• Approval decision within 1-2 business days
• No hidden fees or surprise charges
• Lock in your rate before construction begins

With financing confirmed, your RemodelingFX project manager schedules the work and construction begins. Funds are disbursed according to project milestones, ensuring work proceeds on time and on budget.

• Dedicated project manager assigned
• Milestone-based fund disbursement
• Regular progress updates throughout construction
• No payments due until project reaches completion milestones

After your project is complete, monthly payments begin according to the terms of your financing agreement. Fixed payments mean no surprises — you know exactly what you owe each month for the duration of the loan.

• Fixed monthly payments for the life of the loan
• Autopay options for convenience
• No prepayment penalties — pay off early anytime
• Online account management with your lender