Flexible Payment Options
Your Dream Project Starts Today - Not When You Can Afford It
$0 down. 0% interest options. Up to 30% tax credits. We make it easy to start your remodel now and pay on a schedule that works for you.
$0
Down Payment Required
On qualifying projects
0%
Interest Available
Promotional periods
30%
Tax Credit
On energy upgrades
15 min
Pre-Qualification
Fast & easy process
Don't Let Budget Stop You
Most of Our Clients Don't Pay a Dollar Upfront
Whether it's a kitchen remodel, a new ADU, a solar system, or a complete home renovation - you shouldn't have to wait years to save up or settle for less than you want. KM Builders has partnered with leading lenders and financing programs so you can start building immediately.
We'll identify the best combination of loans, rebates, and tax credits for your specific project. No financial jargon. No runaround. Just a clear plan that puts you in your dream home faster.
Financing Programs
Four Ways to Finance Your Project
Home Improvement Loans
Fixed monthly payments, no collateral needed. Perfect for kitchen, bathroom, ADU, and full-home remodels. Terms from 12 to 144 months.
- No home equity required
- Fast approvals
- Fixed rates available
- Loan amounts up to $150K
PACE Financing
Property Assessed Clean Energy - repaid through your property tax bill. Ideal for solar, HVAC, insulation, roofing, and energy-efficient windows.
- No credit score requirement
- Repay through property taxes
- Transferable to new owner
- Up to 100% project cost
0% Interest Promotions
Qualified homeowners can take advantage of deferred-interest or true 0% APR promotional periods - pay nothing extra if paid within the term.
- Deferred interest options
- 12–24 month promo periods
- No prepayment penalties
- Quick online application
Government & Utility Rebates
We help you navigate IRS tax credits, LADWP rebates, and state incentive programs that can cut your out-of-pocket cost by up to 30% or more.
- IRA energy tax credits
- LADWP rebate programs
- SoCalGas incentives
- We handle the paperwork
Other renovation funding options to compare
Home equity loans and HELOCs
A home equity loan or line of credit uses your home as collateral. Compare interest rates, fees, repayment terms and the risk to your home with a qualified lender. A lower monthly payment does not necessarily mean a lower total borrowing cost.
FHA 203(k) rehabilitation financing
Some borrowers may be eligible to combine eligible renovation work with a home purchase or refinance through an FHA 203(k) loan. Participating lenders determine eligibility, permitted work and program requirements. This is general information, not a KM Builders loan offer or approval.
Verify incentives before including them in your budget
Utility programs, tax rules and available funding change. Confirm current requirements with the program administrator and your tax adviser before relying on a rebate or tax credit. Financing terms, fees, approval and timing require written confirmation from the actual provider; website examples are not a commitment.
Simple Process
How It Works
From your first call to breaking ground - here's how we get you financed and into your new space.
Free Consultation
Tell us about your project. We'll review your goals and give you a clear picture of costs, timeline, and which financing options apply to you.
Choose Your Plan
We present you with the financing options you qualify for - from 0% interest to PACE. No pressure, no confusing jargon. Just clear choices.
Quick Approval
Most applicants get a decision within minutes. Once approved, we schedule your project and get started - often within days.
Build Now, Pay Later
Your project begins immediately. You enjoy your new space while making manageable monthly payments on your own schedule.
Why Choose Us
We Do More Than Build - We Help You Get There
Most contractors hand you a quote and leave you to figure out the money. KM Builders is different. We stay with you through every step - including helping you navigate financing, rebates, and tax credits so your project costs less than you expect.
- We match you with the right lender - not just any lender
- No impact to your credit score to check options
- We've helped hundreds of Southern California homeowners finance their projects
- Licensed, Insured & Bonded - CA CSLB #1080573
- Transparent pricing - no hidden fees, no surprises
- One point of contact from consultation through project completion
685+ Five-Star Reviews
Google, Yelp, Houzz & Facebook
"KM Builders helped us finance our entire kitchen renovation through a program we didn't even know existed. Saved us thousands and started construction the same week."
- Encino Homeowner
Ready to See Your Options?
It takes 15 minutes. No commitment required. We'll show you exactly what you qualify for - completely free.
Get My Free ConsultationCommon Questions
Financing FAQs
Get Started Today
Your Project. Your Budget. Our Expertise.
Schedule a free, no-obligation consultation. We'll review your project, walk you through your financing options, and give you a clear plan - at no cost to you.