Ledger · Money Side of the Build
Three ways to fund it.
Zero ways to surprise you.
We don't lend money — we sit across the table with a vetted lender desk and match the scope to the right product. Same contract price whether you wire, write a check, or draw.
Soft pull · No score impact · Decision in minutes
Section 01 · Product Ledger
Pick the line that fits the scope.
Three financial instruments. One conversation. We tell you which one we'd sign for if it were our kitchen.
- L-01
Project Term Loan
Qual · 500+ FICOThe workhorse. An unsecured home-improvement loan through our lending partners — fixed monthly payment, no second lien on the house, pre-qualified with a soft credit check and a decision in minutes.
Kitchens and bathsAdditions and ADUsWhole-home rebuilds- Payment
- Fixed monthly
- Term
- Up to 20 yrs
- Ceiling
- Up to $200,000
- L-02
Staged Draw Plan
Qual · Approved term loanFor bigger, phased projects: your loan funds in stages as each phase is completed and signed off, so payments track progress — not promises.
Multi-phase remodelsAdditionsWhole-home projects- Payment
- Draw-based
- Term
- Matches your loan
- Ceiling
- Up to $200,000
- L-03
HELOC Sync
Qual · Bring your bankAlready approved at your credit union? We tie our draw schedule to your line and invoice the bank directly — you only pay interest on what we've actually drawn.
Existing HELOC holdersMulti-phase remodelsTax-aware financing- Payment
- Draw-based
- Term
- Lender-set
- Ceiling
- Lender-set
Section 02 · How the money moves
Four steps. No mystery fees.
- 01
Walk-through
Free, in your home. We measure, talk scope, sketch the rough number.
- 02
Match
We line the scope up against the three products and recommend a fit.
- 03
Soft pull
Pre-qualify with our lender desk. No hard pull, no impact on your score.
- 04
Sign + start
Written contract, draws matched to phases, schedule locked. Most loans fund within one to two weeks of approval.
Section 03 · Fine print, read aloud
The questions we answer on every call.
Nothing tucked into a footnote. If we can't say it on a porch in plain English, it doesn't go in the contract.
- Does the soft pull hit my credit score?
- No. Pre-qualification uses a soft inquiry that's invisible to other lenders and doesn't move your FICO.
- Can I combine products?
- No. Each project funds through a single product — we pick the one that best fits the scope on the walk-through so the paperwork stays clean and the payment is predictable.
- Do you upcharge for financed jobs?
- Never. The contract price is the contract price whether you pay cash, wire, check, or draw.
- How fast can we break ground?
- Pre-qualification takes minutes. Once a loan is approved and funded — typically one to two weeks — we lock your start date and hold it.
Next move
Tell us the scope and the ceiling.
We'll walk the house, line the scope against the three products and quote a number you can take to the table. No pressure, no paper to sign at the door.
Book a budget walk-throughTomorrowland Remodeling is not a lender. All financing products are originated by NMLS-licensed lending partners; terms subject to credit approval.