Finance a remodel over monthly payments
Third-party lending, described honestly: who the lender is, what we are allowed to tell you about their terms, and how a loan sits alongside a draw schedule.
- Who lends
- A third-party lender, not us
- Terms
- Set by the lender on its own paperwork, never by us
- What we never quote
- Rate, payment, term or approval odds
- Talk to us
- (775) 200-0648, Monday to Friday, 9:00 AM to 4:00 PM
01Who lends, and who does not
We build. Somebody else lends. Keeping those two apart protects you, not us.
A remodel is one of the few large purchases where the party selling the work often also arranges the money, and that is where contractor financing pages go wrong: a promotional rate does the persuading, and the scope stops being the thing under discussion.
So the split is deliberate. Advanced Design And Development contracts and builds; a separate lending company decides whether to lend, on what terms, on its own paperwork. We work with Enhancify, and their page for our account is linked below. Whether a contract with Advanced Design & Development, Inc. can be funded through it, and under what arrangement, is on Enhancify’s own paperwork. The lender confirms that, not a contractor’s website.
02How a loan meets a draw schedule
Four steps, and the construction contract does not move for any of them.
-
01
Get the scope first
Apply against a real number, not a guess. A written, line-item scope tells you what you are borrowing for, and keeps the loan amount off an optimistic square-foot rate. You get a written, line-item estimate
-
02
Apply with the lender
You apply directly. We do not take your financial information, submit an application for you, or see your credit file. We may be told whether a project is funded, and nothing behind that decision. You get terms, from the lender, in writing
-
03
Read the two documents side by side
The loan agreement and the construction contract are separate obligations. Read what happens to the loan if the scope changes, and to the draw schedule if funding is delayed, before either is signed. You get a signed contract and a draw schedule
-
04
Pay against milestones, not dates
Funded or not, draws stay tied to work you can look at: permit issued, framing complete, rough-in inspected. The last one is held until the punch list is signed. You get a signed punch list before the last draw
03What this page will not say
Four claims on most contractor financing pages, and not on this one.
Each is a lender’s statement to make. A contractor repeating it is advertising credit terms it does not set.
- No rate
- No APR, promotional or otherwiseIncluding the version where a headline rate is quoted and the qualifying conditions are a footnote.
- No payment
- No “from $X a month”A monthly figure depends on an amount, a term and an approval none of which exist before you apply.
- No approval promise
- No same-day or guaranteed approvalWe do not make the decision, so we will not imply a timeline for it.
- No fee claim
- No “no hidden fees”The fees are in the lender’s disclosures; our side is in the line items. Read both.
04What financing does not change
How you pay is your decision. What you get is the contract’s.
A funded job and a cash job are the same job here: the same line-item scope, the same draws tied to milestones, the same signed change orders, the same punch list before the final draw. And the other half of it: borrowing to remodel carries a real cost, and if the estimate is bigger than the project should be, the answer is usually a smaller scope rather than a longer term.
05Questions about paying over time
Four questions, answered without a rate in sight.
No. We are a general contractor, not a lender or a broker. Any loan is between you and a lending company, on that company's paper and under its terms. We are paid for construction under the construction contract, and that is the whole of our side of it.
Because we are not the party that can honestly state one. A rate depends on your credit, the amount and the product offered. The moment a contractor advertises a rate it becomes a claim the lender has to stand behind. We link you to the lender and let the lender quote.
The scope prices the work. If a lending product carries a fee that lands on the contract rather than on you, it belongs in the line items where you can see it. Ask on the call and you get a direct answer.
Yes, and plenty of people should. A home-equity line or a credit-union renovation loan is often cheaper if you qualify and can wait for underwriting. We do not steer you, and the draw schedule works the same way whoever funds it.
06Start a conversation
Get the scope priced first. The money question is easier once the number is real.
Tell us the house and the scope on the phone. A written, line-item estimate costs you nothing and it is the document every lending conversation should start from.
Monday to Friday, 9:00 AM to 4:00 PM. A person answers, and it is somebody who has been on a job site. The form goes to the same place, one business day behind the phone.
Request received.
We will call you back within one business day to set the walkthrough. If you need us sooner than that, call (775) 200-0648 now: Monday to Friday, 9:00 AM to 4:00 PM.