Your Home Renovation Questions, Answered

Our "Fix Now, Pay Later" program is a specialized financing solution designed exclusively for home renovations and construction projects. Unlike a traditional loan, it's integrated directly with our services, allowing you to begin your project immediately with no money down and defer payments until the work is completed and you're fully satisfied.

This program removes the financial barrier to starting your dream renovation, offering a streamlined application process, competitive rates, and flexible terms tailored to your budget and project scope.

Our financing is specifically built for home improvements, offering several key advantages over traditional options:

• Simplicity: One application covers both the project and financing, no separate bank approval needed.
• Speed: Get approved in as little as 24 hours and start your project within days, not weeks.
• Deferred Payments: Unlike bank loans, you make no payments during construction.
• No Collateral: This is an unsecured loan, so your home isn't used as collateral.
• Higher Limits: We can often finance larger project amounts than a typical credit card with much lower interest rates.

The journey to your new space begins with a simple, no-obligation consultation. You can schedule this by calling us at (757) 295-8702 or filling out the contact form on our website.

During this initial meeting, we'll discuss your vision, assess your space, provide a preliminary project estimate, and explain your financing options. This step ensures we understand your goals completely before any commitments are made.

We've designed our process to be as stress-free as the renovation itself. The application takes less than 10 minutes and can be done online, over the phone, or in person. You'll only need basic information like your ID, proof of income, and address details.

Our financing specialists are here to guide you through every step, answering any questions and handling the paperwork for you. There are no complex forms to decipher, and we provide a clear decision quickly.

Yes, absolutely! We encourage homeowners to get pre-approved. Knowing your budget beforehand empowers you to plan your renovation with confidence. Pre-approval gives you a clear understanding of your spending limit, allowing you to explore design options and material choices that fit within your budget.

There is no cost or obligation to proceed after getting pre-approved. It simply puts you in a stronger position to make informed decisions about your home improvement investment.

Your personalized rate is calculated based on a few key factors to ensure you get a fair and competitive offer:

• Credit Profile: Your credit history and score are significant factors, with higher scores typically receiving lower rates.
• Loan Amount: The total cost of your renovation project can influence the rate.
• Repayment Term: Choosing a shorter term usually results in a lower interest rate, while longer terms offer lower monthly payments.
• Promotional Availability: We periodically offer special promotional rates, including 0% interest for qualified applicants.

We provide full transparency on all factors affecting your rate before you commit.

Yes, we work with a diverse network of lending partners to create opportunities for homeowners with various credit backgrounds. While a higher credit score may unlock the best rates, we have specialized programs designed for those working to improve their credit.

We evaluate applications holistically, considering factors like income stability and the equity in your home. We encourage everyone to apply, as our goal is to find a viable path to your renovation goals.

Yes, we believe in giving back to our community and frequently offer special financing programs. These can include:

• Veteran Discounts: Exclusive rate reductions and flexible terms for our military veterans.
• Senior Citizen Programs: Specialized options for accessibility modifications and age-in-place renovations.
• First-Time Renovator Guidance: Educational resources and dedicated support for those new to home improvement projects.

Availability varies, so please ask your financing specialist about current promotions during your consultation.

Absolutely. Using a co-signer with a strong credit history can be a great strategy to secure more favorable interest rates, higher loan amounts, or gain approval if you have a limited credit history. The co-signer agrees to share responsibility for the loan, which reduces the lender's risk.

We will walk both you and your co-signer through the process, ensuring all parties understand the terms and responsibilities involved.

The primary difference lies in the interest structure and payment timeline:

• Fixed-Rate Financing: Your interest rate is locked in for the entire term of the loan. This provides predictable monthly payments and budget stability, ideal for long-term projects.
• Promotional Financing: These are limited-time offers, such as "0% interest for 12 months." They allow you to pay off the loan within the promotional period without any interest. If the balance isn't paid in full by the end of the term, interest is typically charged from the original purchase date.

We'll help you compare both options to determine which aligns best with your financial strategy and project timeline.

Yes, we have extensive experience with historical renovations and understand the unique challenges they present. Our financing can cover specialized work such as:

• Restoring original architectural features like millwork and plaster.
• Sourcing period-specific materials.
• Integrating modern systems (HVAC, plumbing) while preserving historical integrity.
• Navigating local historical society regulations and permits.

Our team will work with you to create a plan that respects your home's history while meeting your modern living needs.

Yes, our financing is comprehensive. The approved amount covers the total project cost, which includes all professional labor, high-quality materials, permits, design fees, and any other expenses associated with your renovation. You won't need to worry about separating costs; the loan is for the complete, finished project as outlined in your contract with Pro-Home Builders.

While our primary program is designed for our full-service renovations, we can discuss options for homeowners who wish to handle some of the work themselves. In many cases, we can structure financing for materials and specific trade installations (like electrical or plumbing) while you complete other portions of the project.

Contact us to discuss your specific DIY plans, and we'll create a customized financing and service package that fits your skills and budget.

Our "Fix Now, Pay Later" program is incredibly flexible and covers nearly all permanent home improvement projects. Generally, projects that do not qualify are those considered routine maintenance or with no lasting value increase, such as:

• Basic landscaping or lawn care.
• One-time appliance replacements not part of a larger renovation.
• General home cleaning or decluttering services.
• Repair projects that are covered by insurance.

If you have a project in mind, the best way to know for sure is to ask us during your consultation!

We manage the entire process, including permits and inspections, which are fully covered under your financing. Pro-Home Builders is a licensed and insured contractor, well-versed in local building codes and permit processes.

The cost of all necessary permits is included in your project estimate. We schedule and coordinate all required inspections, ensuring your project is completed safely, legally, and to the highest standard. This seamless management is just one of the benefits of financing your project directly with us.

We pride ourselves on accurate estimates, but we understand that sometimes changes arise during a renovation. If you decide to upgrade materials or expand the scope of work, we will provide a clear "change order" with the updated cost.

You can then apply for additional financing to cover the difference. This process is simple and often requires minimal paperwork. Conversely, if the final cost comes in under budget, your financing amount will be adjusted accordingly, so you only pay for what was completed.

We understand that life happens. While there is no formal grace period, we have a customer-first approach. If you know you will be late with a payment, the most important thing you can do is contact us immediately. We are often willing to work with you on a solution.

Formal late fees may be applied if a payment is significantly overdue without communication, as outlined in your agreement. Our goal is to avoid fees through proactive communication and finding solutions that work for you.

We provide multiple convenient ways to manage your account 24/7:

• Online Customer Portal: Log in to our secure website to view your balance, see payment history, download statements, and request a payoff quote.
• Mobile App: Access your account on the go with our dedicated mobile application.
• Phone Support: Call our customer service team during business hours for immediate assistance with any account questions.

Protecting your personal and financial data is our highest priority. We employ industry-leading security measures, including:

• SSL Encryption: All data transmitted to and from our website and portal is fully encrypted.
• Secure Servers: Your information is stored on protected, firewalled servers.
• Compliance: We adhere to all PCI DSS standards for handling financial information.
• Limited Access: Only authorized personnel can access your account details.

We will never ask for sensitive information like your full Social Security number or password via email.

If you sell your home, the remaining loan balance does not automatically transfer to the new buyer. You would need to pay off the outstanding balance from the proceeds of your home sale. Since our financing is unsecured (not a mortgage or home equity line of credit), it's a personal loan that remains your responsibility.

There is no penalty for paying off the loan early due to a home sale. In fact, a high-quality renovation financed through Pro-Home Builders often significantly increases your home's resale value, potentially covering the cost of the loan and more.