Leveraging Kitchen Remodel Loans, Paving the Path to Your Dream Space

Dreaming of a kitchen revamp in Suffolk or Nassau County but budget worries holding you back? At Cascella and Sons, we offer tailored financing solutions to make your Long Island kitchen transformation a reality. That's why we're thrilled to offer you an unbeatable solution – financing options that will help bring your vision to life without breaking the bank. With our credit line and financing options, you can transform your kitchen into a space that reflects your style and meets your functional needs, all while staying within your budget with a minimum monthly payment.

Say goodbye to compromising on your dream remodel and say hello to a kitchen you'll love for years to come. Whether you have excellent credit or fair credit, we have loans tailored to fit anyone's financial situation, ensuring your whole renovation project is financed seamlessly. Let's explore how financing can make this possible for you.

HOME IMPROVEMENT PROJECT

Benefits of Financing a Kitchen Remodel

Flexible monthly payments option

One of the most significant advantages of financing your kitchen remodel is the flexibility it offers in terms of payment options. With financing, you can choose to pay for your kitchen remodel loan amount in convenient monthly payments. This allows you to spread out the cost over time, making it more manageable for your budget. No need to drain your savings or take out a second mortgage - financing enables you to borrow money to start your kitchen remodel right away!

Access to high-quality materials and services

When it comes to kitchen remodeling, using high-quality materials and services can make all the difference. Financing your remodel gives you the opportunity to access top-notch materials and services that may have otherwise been out of reach. You don't have to compromise on the quality of your kitchen remodel loan because of budget constraints. With financing, you can choose the materials and services that will make your kitchen not only beautiful but also durable and long.

Increase the value of your home

Financing a kitchen remodel is an investment that can significantly increase the value of your home. The kitchen is often considered the heart of the home, and potential buyers place a high value on a well-designed and updated kitchen. By financing your kitchen remodel with financing first, you can have more money to create a kitchen that is not only functional and stylish but also appealing to potential buyers if you decide to sell your home in the future.

FINANCE A KITCHEN

How much equity does a kitchen remodel add?

A kitchen remodel can significantly increase the value of your home, adding enough equity that your home improvements can benefit you in the long run. According to a study by Remodeling Magazine, a minor kitchen remodel can recoup around 81% of its cost upon resale. This means that if you spend $20,000 on a kitchen remodel, you can expect to add approximately $16,200 in value to your home.

However, it's important to note that the amount of home equity added by a kitchen remodel can vary depending on several factors, such as the extent of the remodel, the quality of materials and appliances used in kitchen renovation, and the current real estate market conditions. It's always a good idea to consult with a professional real estate agent or appraiser to get a more accurate estimate of how much equity a kitchen remodel can add to your specific home.

KITCHEN REMODE LONG ISLAND

What financing options are available to cover the cost of a kitchen remodel?

Compare Lenders we have to offer

At Cascella and Sons, we understand that financing a kitchen project is a big decision. That's why we offer a range of multiple lenders to suit your needs. Whether you prefer a traditional loan, a home equity loan, or line of credit, or a special financing program, we have the solutions to make your dream kitchen a reality.

Our team will work closely with you to determine the best financing option for your budget and guide you through the application process. With our help, you can pay for a kitchen without breaking the bank. Bypass the hassle of a new mortgage, our collaboration with other lenders ensures you get the finance you require and access your money quickly.

Don't let budget constraints hold you back - take advantage of our flexible financing options for any type of loan amounts, and start creating the kitchen of your dreams today.

Home Improvement Loans HFS

With this personal loan option, enjoy low fixed rates, generous repayment terms up to 20 years, and loans reaching $500,000. With good credit, you deserve a low-interest, fixed-rate loan. Our credit inquiry is straightforward and won't impact your credit score. Begin with our swift online application form; within minutes, you'll receive an instant decision. Whether you're seeking fast funding answers or wish to converse with a loan consultant, we're here to assist. Once you accept the loan offer, simply provide some required documentation securely for verification. Once approved, witness the lump sum swiftly deposit into your bank account, transforming you into an empowered cash customer. Homeowners find our process easy and straightforward!

Greensky Financing

Dive into the versatility and convenience of our Greensky Financing option. As a distinguished service provider and program overseer for federally insured and chartered banks, GreenSky® Programs offer four tailored financial solutions to suit your needs:

1. Enjoy zero interest if settled in full within 12 months

2. Benefit from no interest if fully paid within 18 months.

3. Kitchen remodel financing from 7.99% spread over 84 months.

4. Avail of an advantageous APR of 9.99% for a 120-month loan term.

Determining your eligibility is a breeze with our user-friendly online application, promising you a swift decision within moments. On approval, a "Notice of Approval" email will grace your inbox the next business day, leading you to your comprehensive loan agreement and the requisite materials. For those who value tangible documents, a physical copy will be dispatched to your address. Once you've reviewed and retained your agreement, activating your account is the final step to unlocking the potential to settle your merchant transactions with ease. Choose GreenSky, choose flexibility.

Enerbank Financing

Begin your journey by receiving a comprehensive bid for your home improvement project directly from Cascella and Sons. While they assess your home, take advantage of our streamlined, paperless application process to secure a specialized home improvement loan for any loan amount. The beauty lies in the speed--with just a few clicks, receive approval in mere minutes! Post-approval, all it takes is a simple phone call or text to authorize the funds. Within 24 hours, Enerbrank USA ensures that the agreed amount is directly deposited to Cascella and Sons. Our array of loan options includes:

1. A 12-month 'Same as Cash' scheme with zero monthly payments and zero interest.

2. A 5-year loan for kitchen remodel financing at 9.99% APR

3. A 7-year loan also at 9.99% APR

4. An extended 10-year loan at 9.99% APR

KITCHEN REMODEL LOAN

Other Kitchen Remodel Finance Options

Beyond Traditional Loan Methods

Personal Loans

A personal loan is an unsecured loan that does not require any collateral. This means that you don't have to use your home as collateral, which can be a relief for homeowners who are not comfortable with putting their house on the line. With a personal loan, you can typically borrow a fixed amount of money at a fixed interest rate, and repay it over a set period of time.

One advantage of a personal loan is the flexibility it offers. You can use the funds for any purpose, not just your kitchen remodel. This can be beneficial if you have other expenses or projects in mind. Additionally, personal loans usually have a quicker approval process and require less paperwork compared to home equity loans.

Home Equity Loan

On the other hand, a home equity loan is a secured loan that uses your home as collateral. This means that if you default on the repayment terms of the loan, the lender has the right to foreclose on your property. The amount you can borrow with a home equity loan is based on the difference between the current value of your home and the amount you owe on your mortgage.

One of the pros of a home equity loan is the potentially lower interest rates compared to personal loans. Since the loan is secured by your home, lenders see it as less risky and offer more favorable loan terms too.

Home equity line of credit

With a Heloc, you can borrow against the equity in your home, similar to a home equity loan. However, instead of receiving a lump sum, you have a line of credit that you can draw from as needed. This can be beneficial if you have a larger project with multiple phases or if you want the flexibility to borrow as you go.

The Federal Housing Administration offers a pair of programs tailored to support eligible renovation home improvement projects.:

1. Title I Property Improvement Loans: Designed for home enhancements and fixes. For renovations exceeding $7,500, the loan requires backing through a mortgage or deed of trust.

2. Energy Efficient Mortgage Program: This initiative focuses on financing updates aimed at boosting your home's energy efficiency, potentially leading to reduced utility bills.

FINANCE A KITCHEN

So which option is right for you?

Choosing between a personal loan, home equity loan, or HELOC for your kitchen remodel requires evaluating interest rates, desired loan amounts, and repayment preferences. While personal loans offer a sense of security without tying to your home, equity-based solutions often provide more competitive interest rates too. At Cascella and Sons, we collaborate with a diverse range of finance loan lenders to help you find the best fit for your needs.