At RenoVision, we specialize in high-impact, budget-conscious updates that help homeowners sell faster and for more. Whether it’s a full refresh or targeted upgrades, financing your renovation project doesn’t have to be complicated. Here are six practical options to consider:
The most straightforward option—no interest, no debt. If you’ve budgeted ahead, paying in cash keeps costs down. Just be sure to leave room for the unexpected.
A HELOC lets you borrow against your home’s equity and use funds as needed. It’s flexible and often has lower interest rates than other credit options. Ideal for larger or multi-phase projects.
You get a lump sum based on your home’s equity and repay it over time at a fixed rate. This works well if you know your renovation budget upfront and want predictable payments.
This option replaces your current mortgage with a new one and gives you access to extra funds. It’s a longer-term solution that works best for major renovations, though it comes with closing costs.
Quick and easy to access, especially if you don’t want to use your home as collateral. Interest rates are higher than HELOCs but can work well for modest renovations with fast turnaround.
Best for small purchases like lighting, paint, or hardware. Some cards offer 0% introductory interest, but make sure you pay it off before rates increase.
Use our quick Financing Calculator to estimate monthly payments and see what fits your budget.
Already know your project scope? Start your Financing Application now—simple, fast, and fully online.
Need help deciding what’s possible within your budget? Contact us, we’ll walk you through the options and design a plan that works.
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