Financing Options

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Construction and renovation projects are a meaningful investment, and every homeowner’s financial situation is different. 

While House Factory Contracting does not offer financing directly, we believe in providing clear information so you can explore options that may help you move forward with confidence.

This page is intended to give an overview of common financing paths homeowners use for construction and renovation projects.

Some homeowners choose financing to:

Spread project costs over time
Complete larger renovations in a single phase
Address necessary repairs without delaying work
Preserve savings while improving their home
Financing is not required to work with us, but it can be a useful option depending on your goals and circumstances.

These lenders are commonly used for major renovations, remodels, or construction-related projects. They may offer renovation loans, construction-to-permanent loans, or home improvement financing tied to your property.

https://www.greensky.com
https://www.renovateamerica.com
https://www.townebankmortgage.com
https://www.tidewaterhomefunding.com
https://www.oldpointmortgage.com
https://www.arborhl.com

These options are often best suited for projects that involve detailed scopes of work, longer timelines, or higher overall investment.

For smaller renovations, phased projects, or home improvements that don’t require formal construction loan structures, some homeowners explore personal or unsecured loan options.

https://www.lightstream.com
https://www.sofi.com/personal-loans/
https://www.discover.com/personal-loans/
https://www.upgrade.com
https://www.lendingclub.com
https://www.prosper.com

These options may offer faster approval and simpler application processes, depending on the lender.

Some homeowners are already familiar with financing programs offered through national home improvement retailers.
https://www.homedepot.com/c/credit-services
https://www.lowes.com/l/Credit
These programs are typically used for specific purchases or smaller improvement projects.

House Factory Contracting does not provide financing and is not affiliated with any lender listed on this page.
Financing approval, terms, rates, and conditions are determined solely by the lender.
Inclusion on this page does not represent an endorsement or recommendation.
We encourage homeowners to review all terms carefully and consult a financial professional if needed.