Financing

Remodel Now, Pay Over Time

Through our financing partner Hearth, you can finance from $1,000 to $250,000 with terms up to 12 years, and check your rate in about a minute with no impact to your credit score. The result is a remodel you do not have to wait for and a payment that fits the way you actually budget.

Estimate a Payment

$1,000 to $250,000 Terms 2 to 12 years No home equity required

The Promise

A remodel you do not have to phase

Financing lets you do the whole project once, the right way, instead of shrinking the scope to fit cash on hand or phasing it over years. You still get everything we promise on the build: pre-construction agreement, transparent change orders, in-house design and engineering, permits handled, and one team from first conversation through final walkthrough.

Free written estimate

Permits handled in-house

Licensed and insured in WA

One team, one contract

$1K to $250K

Financing amounts, subject to credit approval

2 to 12 yrs

Loan terms, so you can size the monthly payment

No credit hit

Checking your rate is a soft check with no impact

No equity

Unsecured, no home equity or collateral required

Project cost

$60,000

Loan term

Estimated APR

percent

Estimated payment

$0/mo

Check your real rate

Check your rate in minutes

Answer a few questions through Hearth and see real options. It uses a soft credit check.
Financing from $1,000 to $250,000

A single bathroom or a whole-home remodel. Subject to credit approval.
Terms from 2 to 12 years

Choose a term up to 144 months so the monthly payment fits your budget.
No home equity required

Unsecured personal loans. Your home is not used as collateral.
Use it on any of our services

Kitchen, bathroom, whole-home, addition, ADU, DADU, or custom home.
Built for homeowners here

Available across Bellevue, Seattle, and the surrounding Puget Sound area.

Get your estimate

Tell us about your project. We put together a free written estimate so you know the real number before you think about financing.

Check your rate with Hearth

Use the calculator above to estimate a payment, then check your real rate through Hearth. It takes about a minute and does not affect your credit.

We start the work

Choose the option that fits, and we get to work. You make fixed monthly payments to your lender while we handle the remodel.

Home construction and remodeling in progress

No. Checking your options through Hearth uses a soft credit check, so viewing your loan offers has no impact on your credit score. A hard credit check happens only if you choose to move forward and formally accept a loan offer from a lender.

Financing is available from $1,000 up to $250,000 through Hearth, subject to credit approval. That covers everything from a single bathroom to a full home remodel, addition, or ADU.

Terms run from 2 years up to 12 years (144 months). A longer term lowers the monthly payment; a shorter term costs less in total interest. The calculator on this page lets you compare.

No. The loans offered through Hearth are unsecured personal loans, so your home is not used as collateral and no lien is placed on your property.

Any of our services: kitchen, bathroom, and whole-home remodels, home additions, custom homes, ADUs, and DADUs. You can finance the full scope rather than phasing the project to fit cash on hand.

Financing through Hearth is available to homeowners across the Seattle metro area, including Bellevue, Seattle, Kirkland, Redmond, Bothell, Renton, and Issaquah. Final approval, rates, and terms are determined by the lender based on your creditworthiness.

No. We are a licensed Washington general contractor, not a lender. Financing is provided by independent third-party lenders through our partner Hearth. We do not make credit decisions, set rates, or guarantee approval.

Disclosure: Brutsky Builds is a licensed Washington general contractor (BRUTSBL783ON), not a lender. Loans offered through Hearth are unsecured personal loans made by independent third-party lenders. All financing subject to credit approval. Rates, terms, and amounts vary by borrower. Payment estimates on this page are illustrative only and not a loan offer. Actual rates and terms are determined by the lender based on your credit profile.

Start With an Estimate

Get your free written estimate first

Financing works best when you know what the actual project costs. Start with a free written estimate from us. Then check your rate with Hearth and pick the option that fits.

Get a Free Estimate