Financing Your Project.

Construction projects are big decisions, and most of our clients use a mix of cash and financing to fund them. Here's a quick look at the most common paths — we're glad to help you think through which one fits best.

Cash & Savings

For smaller projects under $30k, most homeowners pay out of savings. It's the simplest, fastest, and cheapest option when the budget allows.

Home Equity Loan (HELOAN) or Line of Credit (HELOC)

The most common path for remodels in the $30k–$150k range. You borrow against equity in your current home. A HELOAN is a fixed lump sum; a HELOC is a flexible draw-as-you-need-it credit line. Rates are typically lower than personal loans and the interest may be tax-deductible when used for home improvement — check with your tax advisor.

Cash-Out Refinance

If current mortgage rates are at or below your existing rate, refinancing and pulling cash out can fund a large remodel while resetting your mortgage. Makes the most sense for $100k+ projects.

Construction Loan

Required for ground-up custom homes and most large additions. It's a short-term loan that converts to a permanent mortgage at completion. We've worked with several Kansas construction lenders and can introduce you if you don't have one yet.

Renovation Loans (FHA 203(k), Homestyle)

A good fit if you're buying a fixer-upper or your remodel costs exceed your current equity. These loans roll the purchase + renovation costs into a single mortgage.

Manufacturer & Contractor Financing

For specific project types (windows, roofing, HVAC), we can sometimes offer promotional financing through product partners. Ask about it if you're considering one of these systems.