Cash Savings
Avoids borrowing costs but should be balanced against emergency reserves and other financial priorities.
Project Planning
Financing a home remodel.
Understand common funding options before choosing a project scope and construction timeline.
Important Information
A clear budget creates a stronger project plan.
ADELIE Construction does not currently advertise an in-house lending program and does not provide financial advice. Homeowners commonly use cash savings, a home-equity line of credit, a home-equity loan, a renovation loan, or financing from an independent lender.
Before committing to financing, compare interest rates, fees, repayment terms, draw procedures and how the lender handles construction documentation. A lender or qualified financial professional can explain which option fits your circumstances.
Common Options
Ways homeowners may fund remodeling.
HELOC
A revolving line secured by home equity. Rates, draw periods and repayment terms vary by lender.
Home-Equity Loan
A lump-sum loan with scheduled repayment. Terms and qualification requirements vary.
Renovation Loan
Some loan products combine property financing and renovation costs under specific rules and inspections.
Personal Loan
An unsecured option that may fund smaller scopes, often with different rates and limits than equity-based borrowing.
Third-Party Contractor Financing
This may be added later through an approved provider. Terms must be reviewed directly with that provider.
Set a comfortable investment range
Consider the complete project—not only visible finishes—including design, permits, demolition, labor, materials and contingency.
Speak with qualified lenders
Compare total borrowing cost, monthly payment, funding schedule and documentation requirements.
Develop the construction scope
A detailed scope helps align the project with the funding available and reduces uncertainty.
Plan the Project
Start with the remodeling goals.
Call 1-877-ADELIEC or request a consultation to discuss the property and desired scope.
Request a Consultation