Financing Guide
Home Improvement Financing through Build4U & Synchrony
Renovation financing built around your project schedule — apply once, draw as work progresses, and skip the appraisal and home-equity lien. Plus a plain-English guide to HELOCs, cash-out refinance and renovation mortgages for Las Vegas, Henderson and Summerlin homeowners.
Recommended Partner
Synchrony Home Improvement Financing
Build4U is a participating contractor with Synchrony, one of the largest providers of home-improvement financing in the United States. Qualified homeowners can finance their kitchen, bath, addition, ADU or whole-home project without putting a lien on the home — and pay it back over a promotional term that matches the size of the project.
Why most clients start here
- No home-equity lien and no appraisal required
- Fast credit decision — often same day
- Covers materials and labor on a single account
- Draws align with Build4U's milestone schedule
- Works for homeowners without a large equity cushion
Plan terms typically available
- Promotional financing terms ranging from 6 to 60 months
- Deferred-interest and reduced-APR options depending on plan
- Most contractor-facilitated projects fall in the $2,000–$42,000 range
- Larger scopes can often be combined with a HELOC or cash-out refi
Most applicants get a credit decision in seconds with no impact to their credit score.
Financing provided by Synchrony Bank. Subject to credit approval. Promotional terms, APR and minimum monthly payments vary based on creditworthiness and the plan selected. See your Synchrony account agreement for full terms. Build4U is not a lender and does not make credit decisions.
How Build4U structures payments
Every Build4U project runs on a milestone draw schedule that aligns with how Synchrony, HELOCs and renovation loans disburse funds — so the way your project gets paid for matches the way it gets built:
- Contract signing — 10% deposit to lock the schedule and begin procurement
- Demo complete — 20%
- Rough-in (framing, plumbing, electrical, HVAC) — 25%
- Drywall and tile — 20%
- Cabinetry and millwork installed — 15%
- Substantial completion / final walk-through — 10%
You only pay against verified work completed, and each draw maps to a clear inspection milestone — which is exactly how lenders want to see funds disbursed.
Alternative financing paths
Synchrony works for most projects, but depending on your equity, project size and how long you want to carry the balance, one of these may be a better fit:
1. HELOC — best for large equity cushions
Strong fit for projects between $40k and $310k when you have substantial equity. You're approved for a credit line, then draw what you need as the project progresses; interest accrues only on the outstanding balance. Slower to set up than Synchrony and requires an appraisal and a lien against the home.
2. Cash-out refinance — best when rates are favorable
Refinance your existing mortgage for more than you owe and take the difference in cash. Worth modeling when current rates are at or below your existing mortgage rate, and for larger whole-home or addition budgets ($235k+) where a single fixed payment is preferable to a variable HELOC or short promotional term.
3. Unsecured renovation loans — best for smaller scopes without equity
LightStream, SoFi, Upgrade and Marcus all underwrite renovation-specific unsecured loans, typically up to $100k–$150k for strong credit. No lien against the home, but rates often run 3–6 points higher than Synchrony's promotional plans — usually only preferable when Synchrony's project caps don't fit.
4. FHA 203(k) / Fannie Mae HomeStyle — best for purchase + renovate or over-equity projects
Renovation mortgages that let you borrow against the after-renovation value of the home. Powerful for buyers purchasing a fixer or homeowners planning a whole-home renovation that pushes beyond current equity. Slower close and more paperwork than Synchrony or a HELOC, but the only path when the project value exceeds today's appraised value.
Rough budget benchmarks
Knowing the budget range before you talk to a lender — or apply through Synchrony — saves a round trip. Typical Las Vegas project ranges from our recent work:
- Kitchen remodel — $65k–$195k
- Bathroom remodel — $35k–$117k
- Home addition — $94k–$465k+
- Casita / ADU — $136k–$350k
- Whole-home remodel — $275k–$1.15M+
Next step
The fastest path is a short consultation: we'll size the project, share the milestone-draw schedule, and walk you through applying with Synchrony — or put together a detailed scope you can take to your HELOC or renovation-loan lender. You can also see if you prequalify now and bring your approval to the consultation.
