Does GS Construction offer financing?

Not in-house — and that is deliberate, so no financing cost hides in your quote. Most clients use a HELOC, home-equity loan, or a third-party renovation loan, and we can recommend trusted local lenders our clients have used.

What will my lender need from my contractor?

Typically a written scope of work and cost breakdown, proof of licensing and insurance, and payment terms. Every GS estimate is itemized and every contract spells out payment terms, so the paperwork is lender-ready by default.

When do I pay for the remodel?

Payment terms are defined in your written contract before work begins, and your private client portal shows current change orders and up-to-date balances throughout the project — so you always know exactly where the money stands.

Financing

Paying for your remodel

GS Construction does not sell in-house financing — and that is deliberate. Most of our Chicago-suburb clients fund remodels with a HELOC, a home-equity loan, or a third-party renovation loan, and we support that with the one thing every lender wants: a written, itemized scope with real numbers.

The routes homeowners actually use

HELOC (home-equity line of credit)

The most common choice for kitchens and baths. You draw only what the project needs, when it needs it — which pairs naturally with a progress-based construction schedule. Your bank or credit union will ask for a scope of work; ours arrives itemized.

Home-equity loan or cash-out refinance

A fixed lump sum at a fixed rate — a fit for larger, clearly-scoped projects like additions and whole-home remodels where the budget is locked before demo day.

Third-party renovation loans

Unsecured home-improvement loans and renovation products (offered by many banks and credit unions) can work for mid-size projects when tapping equity isn't attractive. We can point you to trusted local lenders our clients have used — we take nothing from the referral.

Why "no in-house financing" works in your favor

No financing markup baked into your quote. Contractor-arranged financing is rarely free — its cost tends to live somewhere in the project price.
You shop the money like you shop the remodel. Your bank competes for your loan; we compete on the build.
Lender-ready paperwork. Every GS estimate is itemized, and payment terms are spelled out in a written contract — exactly what underwriters ask for.

Know your budget before you borrow

We publish typical project ranges so you can size a loan before the first meeting: kitchens typically run $35K–$80K+, bathrooms $15K–$60K+, basements $45K–$150K+, and additions $200–$400 per square foot depending on scope and finishes. See the remodeling FAQ for what drives each range.

Financing questions

Does GS Construction offer financing?: Not in-house — and that is deliberate, so no financing cost hides in your quote. Most clients use a HELOC, home-equity loan, or a third-party renovation loan, and we can recommend trusted local lenders our clients have used.
What will my lender need from my contractor?: Typically a written scope of work and cost breakdown, proof of licensing and insurance, and payment terms. Every GS estimate is itemized and every contract spells out payment terms, so the paperwork is lender-ready by default.
When do I pay for the remodel?: Payment terms are defined in your written contract before work begins, and your private client portal shows current change orders and up-to-date balances throughout the project — so you always know exactly where the money stands.

Ready to scope your remodel?

Get a free in-home estimate with an itemized scope — the same document your lender will want to see.

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