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.
Every figure on this page — loan ranges, terms, APR ranges, funding times — is the range our three preferred lenders publish for that product. Nothing here is an offer of credit, and your rate is set by the lender, not by UHS.
Move the sliders. Watch the monthly number change. This is the same math we use in every quote we send.
Every control stays live as you move it. Your finished payment appears the moment you send your details, so a project manager can talk it through with you instead of leaving you with a number and no context.
Shorter terms get lower rates but higher monthly numbers. The ladder above is the one our preferred lenders offer: 24 to 84 months on a personal loan, 60 to 180 on a home improvement loan. Not sure of the project number yet? Start with the remodeling cost calculator.
The arithmetic is already done for the amount, rate and term you set. Send your details and the payment appears right here.
Educational only · not a commitment to lend. Actual APR depends on credit profile, lender, and loan type.
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.
We are builders, not a lender. We tell you plainly which of these usually costs least — and then you pick.
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.
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.
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.
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.
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
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.
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.
Before a lender sees anything, we walk the house and price it line by line. A rough estimate can only be financed as a guess; a fixed-price scope is arithmetic — and that written quote is the first item on the gut-check list below.
Finding out what you would actually qualify for costs your credit score nothing. One hard inquiry is recorded at most, and only once you formally apply with the lender you have chosen.
Rate, term and monthly payment come back for each offer — and so does the clock: 24 to 72 hours on a personal loan, 1 to 2 weeks on a home improvement loan, 2 to 4 weeks on a HELOC because of the appraisal.
The choice is yours — not the lender’s, and not ours. After that, money is released against the project draw schedule as the work clears each phase, and your monthly payment goes to the lender, never to UHS.
Nothing new in this table — it is the same ranges the option cards and the Q&A above already publish, in one place.
Ranges move with the market and yours is set by the lender, not by UHS. All financing is provided by third-party lenders and subject to their approval, terms and disclosures. To size the loan before you talk to anyone, read the published cost studies: kitchen remodel cost, bathroom remodel cost and whole-home remodel cost across DFW.
Six things. With them in hand a soft-pull request takes minutes; without them it takes a week of back and forth.
BBB-accredited · A+ rated · fully insured · City of Plano registered · 500+ verified five-star reviews. Every project is fixed-price with a one-year workmanship warranty.
Samples come to your house — UHS Remodeling has no showroom to walk. Read the reviews, or size the loan with the cost calculator first.
Educational only · not a commitment to lend. Actual APR depends on credit profile, lender, and loan type. All financing is provided by third-party lenders and is subject to credit approval; rates, terms and fees are set out in the lender’s own disclosures. Payment figures produced by the estimator on this page are illustrative arithmetic on the amount, APR and term you enter — they are not an offer of credit, a rate quote or a commitment to lend. UHS Remodeling does not service loans, charge interest, or see your payment history.
