Home Remodeling Financing in Houston
Don't let a temporary budget constraint cause permanent damage to your home. With 0% interest options and terms up to 15 years, we make forensic-quality repairs accessible to every Houston homeowner.
The Smart Way to Protect Your Cash Reserves
Many homeowners believe financing is only for those who "can't afford" the project. The truth is, many of our savviest clients choose to finance to maintain their liquidity.
Get the Right Fix
Avoid cutting corners or choosing cheaper materials just to fit a lump-sum budget.
Keep Your Emergency Fund
Don't liquidate your savings for a roof or foundation repair.
Beat Inflation
Lock in today's material and labor prices while paying with future dollars.
Our Payment Plans
Whether you want the lowest monthly payment or zero interest costs, we have a plan structured for you.
The 0% Interest
We offer 0% Interest for 24 Months. Every dollar you pay goes 100% toward the principal. It is effectively "free money" to secure your home now.
No Payments for 6 Months
With this plan, you have No Payments and No Interest for 6 Months. Get the work done today, ensure your home is safe, and don't worry about the bill for half a year.
Low Monthly
We offer extended terms up to 180 Months (15 Years). This allows you to tackle major renovations—like a full roof replacement or kitchen remodel—for a monthly cost often lower than your cable or electric bill.
The TGR Standard ($0 Down)
We stick to our forensic standard where we build the project first and let you verify the quality of the work before the loan ever funds. You get a secure home before you pay a single dollar.
How Financing Works With TGR
Texas Greatest Remodelers is not a lender. When you ask about financing, we connect you with our third-party lending partners, such as GreenSky and Hearth, for pre-qualification, and your full credit application goes directly to them. All financing is subject to credit approval by the third-party lender. Our $0 Down policy still applies: no deposit is required to begin work, and the loan funds only after you verify the quality of the work.
0% Interest for 24 Months
No Payments and No Interest for 6 Months
Terms up to 180 Months (15 Years)
$0 Down: the loan funds after you verify the work
Subject to credit approval by the lender
We don't store your credit file or Social Security Number
How to Finance Your Project
We build first and the loan funds last. You get a secure home before you pay a single dollar.
One
Free estimate
We inspect your home and give you a clear plan for the work before any financing conversation.
Two
Pick your plan
Choose 0% interest for 24 months, no payments and no interest for 6 months, or the lowest monthly payment with terms up to 15 years.
Three
Pre-qualify with the lender
We connect you with our lending partners for pre-qualification. Your full credit application goes directly through the lender's secure portal.
Four
We build, $0 down
No deposit is required to begin work. We purchase the materials and pay our crews before you pay us.
Five
You verify the work
Walk the finished project with us and check every detail.
Six
The loan funds
Financing approval is required upon substantial completion of the work, as defined in your Construction Agreement. The loan funds after you verify the quality of the work.
Financing FAQs
Honest answers about credit approval, our lending partners and when the loan funds.
Is Texas Greatest Remodelers a lender?
No. TGR is not a lender. We provide links to third-party financial institutions as a convenience to our customers, and we connect you with our lending partners, such as GreenSky and Hearth, for pre-qualification.
Is financing subject to credit approval?
Yes. All financing is subject to credit approval by the third-party lender. Interest rates, payment terms, and "no interest" periods are determined solely by the lender and your creditworthiness.
What payment plans do you offer?
We offer 0% Interest for 24 Months, No Payments and No Interest for 6 Months, and extended terms up to 180 Months (15 Years). With The TGR Standard ($0 Down), we build the project first and let you verify the quality of the work before the loan ever funds.
Do I need a deposit if I finance?
No. Our "$0 Down" policy is our standard payment structure, where no deposit is required to begin work. How our $0 Down policy works.
When does the loan fund?
After the work is done. We build the project first and let you verify the quality of the work before the loan ever funds. Full payment or financing approval is required upon substantial completion of the work or as defined in your specific Construction Agreement.
Do you store my Social Security Number?
No. Full credit applications (including Social Security Numbers) are typically processed directly through our secure third-party lending partners. TGR does not store your full credit file or Social Security Number on our local servers.
Which projects can I finance?
Our plans cover roofing, foundation and remodeling projects, from a roof or foundation repair to major renovations like a full roof replacement or kitchen remodel.
Why finance if I can pay cash?
Many of our savviest clients choose to finance to maintain their liquidity. You avoid cutting corners just to fit a lump-sum budget, and you don't have to liquidate your savings for a roof or foundation repair.
Do I have to finance?
No. Financing is optional. With our $0 Down Payment policy, you can also pay in full when the work is complete.
Will you put a lien on my house?
No. Texas Greatest Remodelers does not require deposits to start work and does not file liens simply to begin a project.
Payment Guides and Services
How Our $0 Down Policy Works
Our Lifetime Transferable Warranty
10 Questions to Ask Before Hiring a Remodeling Contractor in Houston
0% Interest. 100% Peace of Mind
You have the terms. You have the guarantee. Now get the forensic quality your home deserves.