UPFRONT COST
SHOULDN'T STOP
YOUR PROJECT
Construction in the San Francisco Bay Area is a significant investment. Many homeowners have strong equity and stable income but prefer not to liquidate savings or tie up cash reserves to fund a project.
We help qualified homeowners access renovation financing so the upfront capital requirement doesn’t stall a project that makes long-term sense.
A PRACTICAL
TOOL — NOT A
SALES HOOK
This is not a promotional tactic. We don’t lead with financing to make projects seem cheaper than they are. Construction costs are what they are — materials, labor, permitting, and engineering add up.
What financing does is remove a timing barrier. If a project makes sense for your property and your goals, but you’d rather not deplete reserves or liquidate investments to fund it, financing gives you another path forward.
Many homeowners across the Peninsula and East Bay have strong financial positions but simply prefer to keep their capital working elsewhere. That’s a reasonable approach, and we support it.
Preserve Capital
Keep savings and investments intact. Fund your project without depleting reserves you’ve built over time.
Start Sooner
Permits take time. Construction takes time. The longer a project sits on hold, the more costs shift. Financing lets you move when the timing is right.
Straightforward Process
For qualified applicants, the application process is quick and approvals move rapidly. We walk you through it.
FROM APPLICATION
TO APPROVAL
Renovation financing is structured differently than a traditional mortgage. The process is designed to move quickly so it doesn’t hold up your project timeline.
Initial Conversation
During your consultation, we discuss your project scope and whether financing makes sense for your situation. No pressure, no obligation — just clarity on what’s available.
Application
If you choose to proceed, the application process is straightforward. We guide you through what’s needed and help ensure the submission is complete.
Qualified applicants receive rapid approval decisions.Approval & Terms
Once approved, you’ll receive clear terms. No hidden fees, no surprises. You’ll know exactly what you’re working with before committing.
Project Begins
With financing in place, your project moves into our design-build process. Payments are structured around project milestones — not collected upfront.
NO DEPOSIT.
MILESTONE-BASED
PAYMENTS.
Whether you finance or self-fund, our payment structure stays the same. We don’t collect money before work begins. Payments are tied to defined project milestones — when work is in progress and verified.
This isn’t standard in residential construction. Many contractors require 10–50% deposits before breaking ground. We believe you should see progress before paying for it.
Progress is tracked through your Buildertrend client portal, so you always know where the project stands and what the next milestone involves.
How Payments Work
- Zero deposit — no money collected before construction begins
- Milestone payments — payments tied to completed phases of work, not calendar dates
- Transparent tracking — progress documented in Buildertrend with photos and updates
- Financing compatible — milestone structure works whether you self-fund or use financing
- No surprises — scope, timeline, and payment schedule defined before construction starts
FINANCING FOR
ADUs & MAJOR
RENOVATIONS
Financing is available for the full range of projects we build — from ADU construction to major home renovations. Whether you’re adding a detached ADU to your property in Palo Alto or renovating a kitchen in Mountain View, financing can be part of the plan.
ADU projects in particular benefit from financing. The investment generates long-term value through rental income, property appreciation, and functional flexibility — making the financing math straightforward for many homeowners.
ADU Construction
Detached, attached, and garage conversion ADUs. Permits, design, and construction — all financeable.
ADU ServicesKitchen & Bathroom
Full kitchen and bathroom renovations with structural changes, fixture upgrades, and finish work.
Kitchen RemodelingWhole House Remodels
Multi-room renovations that reshape how a home functions — layout changes, additions, and system upgrades.
Whole House DetailsHome Additions
Second stories, room additions, and bump-outs. Structural expansions that require foundation, framing, and permits.
Addition ServicesREMOVING
BARRIERS —
NOT CREATING
PRESSURE
We don’t push financing. We offer it because it solves a real problem for homeowners who are ready to move forward but want to manage cash flow strategically.
If self-funding works better for your situation, we support that entirely. If financing makes the timeline work, we’ll walk you through the options during your consultation.
Either way, the project process, payment structure, and scope remain the same. Financing is a tool — not a different experience.
“Upfront capital should not be the reason a project sits on hold.”
— Mendez & Son's Construction
READY TO
MOVE FORWARD?
Schedule a consultation. We’ll review your project, discuss scope, and walk through financing options if they make sense for your situation.
Clear scope · Clear plan · Clear expectations
Serving Palo Alto · Mountain View · San Mateo
Walnut Creek · Redwood City · the Bay