Financing your DFW remodel, without the guesswork.
Most homeowners don’t realize a $68,000 kitchen can become a manageable monthly figure in 60 to 84 payments. Start with the numbers below.
What it costs per month.
Move the sliders. Watch the monthly number change. This is the same math we use in every quote we send.
How financing a DFW remodel actually works.
Most DFW homeowners finance a remodel with either an unsecured personal loan (no equity needed, funded in 24–72 hours, $5K–$100K) or a HELOC (lowest rate, secured by your home, $25K–$400K). Typical terms run 60 to 180 months. We compare offers from three preferred lenders, then put the numbers next to each other so you pick — not the lender.
02 · The optionsThree ways to finance a DFW remodel.
The right loan type depends on two things: your project scope, and whether you have equity in your home. Below are the three paths we walk homeowners through, in plain English — what each costs, who it fits, what the trade-offs are.
Personal loan — fastest, no equity required.
If your scope is under $100,000 and you want money in your hand inside three days, the personal loan is the default. No appraisal, no equity check, no lien against your home. Funds land in your bank account within 24–72 hours of soft-pull approval.
- Loan range: $5,000 to $100,000 with most preferred lenders.
- Term: 24 to 84 months. Shorter terms get lower rates but higher monthly numbers.
- Typical APR: 7–18% depending on credit tier. 720+ FICO unlocks the lowest tier.
- Best for: Single-room remodels — one kitchen, one bath, a single addition.
HELOC — lowest rate, scope can shift mid-build.
For whole-home renovations and additions where scope often shifts during the project, a HELOC is the better instrument. It is a revolving line secured against your home, with the lowest available rates because it’s collateralized. You draw funds as the project moves through phases — framing, drywall, finish — and pay interest only on what you’ve drawn.
- Line size: $25,000 to $400,000 depending on home equity.
- Structure: 10-year draw period, then 20-year repayment typical.
- Rate: Variable, tied to prime. Currently 7.5–9.0% on most preferred lenders.
- Best for: Whole-home renovations, additions, multi-phase projects, anything over $100K.
We send the same scope to three different lenders, then put the offers side-by-side. Most people find the rate difference covers a finish upgrade or shaves a year off the term — that part isn’t obvious until you see the numbers next to each other.— Stephanie M · Office Manager · 11 yrs · 5,875 projects
Home improvement loan — the middle path.
Between the personal loan and the HELOC sits the home improvement loan: secured by your home (so the rate is lower than personal), but with a fixed term and fixed monthly payment (so it behaves like a personal loan, not a line of credit). Often used for additions and major bath-plus-kitchen combinations.
- Loan range: $25,000 to $250,000.
- Term: 60 to 180 months. Fixed.
- Typical APR: 6–12%.
- Best for: $50K–$200K projects where you want HELOC pricing with personal-loan predictability.
03 · What we do for youThree offers, side by side, before any hard pull.
You don’t need to apply to anyone yet to see what your real rate would be. We send your scope and a soft-pull request to three preferred lenders. Within a day or two, three offers come back with rate, term, and monthly payment laid out. You compare them. You choose. Only then does a hard pull happen with the lender you picked.
The default homeowner path — calling one bank, getting one quote, signing — usually leaves $200–$500 a month on the table over the life of the loan. Comparing three offers is how that doesn’t happen to you.
Before you talk to any lender, have these ready.
§ Q&AFrequently asked questions.
A real quote unlocks a real monthly number.
BBB-accredited · A+ rated · fully insured · City of Plano registered · 500+ verified five-star reviews. Every project is fixed-price with a three-year workmanship warranty.