Payment Options

Financing Your Project

Multiple paths to fund your remodel — from 0% energy programs to bank loans to equity-based options. We'll help you find what fits.


Financing Options

Financing & Payment Options

These are legitimate financing sources commonly used for home improvement projects in California. BRC does not receive referral fees — these are informational resources. We'll help you figure out what fits your situation.

🏦

GreenSky (by Goldman Sachs)

Home Improvement Loan

0%–fixed rate financing for home improvement projects. Apply online, decisions in minutes. Used by contractors nationwide.

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💳

Synchrony HOME

Store / Project Credit

Flexible payment plans, deferred interest, and promo periods for home improvement purchases.

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🏠

Home Equity Line of Credit (HELOC)

Equity-Based

Borrow against your home equity — often lowest rates. Available through your bank or credit union. Good for larger projects.

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🏗️

Construction-to-Permanent Loan

Bank Loan

For large renovations or builds — loan converts to mortgage at completion. Offered by major banks and credit unions.

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🌱

PACE / HERO Financing

Property Tax-Based

0% interest programs for energy upgrades repaid through property taxes. No FICO minimum for many programs.

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📱

Benji (FKA Wisetack)

Point-of-Sale Financing

Buy Now Pay Later for home services. Soft credit check, fast approval, multiple plan options.

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🏦

CalHFA Home Loan Programs

State Program

California Housing Finance Agency programs including down payment assistance and home improvement.

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💰

Personal Loan (Comparison)

Unsecured

No equity required. Rates vary 6–30%. Use for smaller projects. NerdWallet and Bankrate offer side-by-side comparisons.

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Find the Right Financing for Your Project

Tell us about your project and financial situation — we'll help you identify the best-fit options and walk you through the application process.

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Financing Tips for Homeowners

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