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Financing Options

For Your Chicago Area Home Renovation Project

 

Why FInance Your Home Project?

We provide a range of financing solutions tailored to different needs and budgets. We believe everyone deserves their dream home. That’s why we offer flexible financing options to help make your home improvement and construction projects more affordable and accessible. Utilizing financing allows you to spread the cost of your project over time with manageable monthly payments to maintain your budget and preserve your savings, as well as enabling you to begin your project more quickly without waiting to save up the full amount.

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Manage
Your Budget

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Preserve
Your Savings

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Start Your
Project Sooner

Our Financing Options for Home Improvements

12 months same as cash

12-Month
Same-As-Cash Financing


No Payments, No Interest for 12 Months: Enjoy a full year without payments or interest. Interest begins to accrue only after the funds are disbursed.

Ideal For: Homeowners who prefer a short-term financing option with no upfront payments.

Start Your Project Today!

5 Year Loan

5-Year
Fixed Rate Loan
at 9.99% APR


Low Fixed Interest Rate: Benefit from a competitive 9.99% annual percentage rate (APR) over 5 years.

Start Your Project Today: With this plan, you can start your home improvement project immediately and spread the cost over five years with fixed monthly payments.

Ideal For: Larger projects where extended payment terms provide more flexibility.

Start Your Project Today!

Financing Square Home addition loans graphic

Construction & Home Addition Loans


For new construction or home additions, we offer specialized loans tailored to meet your unique needs. We specialize in a variety of different construction products:

  • Construction Loans
  • Renovation Loans
  • Personal Loans

If you are interested in financing options for new construction or home additions, reach out to Lori, our mortgage advisor, to discuss your needs and start the application process.

Start Your Project Today!

Learn More About Our Loans

Want to learn more about financing your home project? Contact Lori, our Mortgage Advisor from Preferred Rate Mortgage to begin your journey.

Our Construction Loansexpand_more

We offer both a one-time close construction loan and a two-time close construction loan. Both are great options for financing during the construction process.

Our Renovation Loansexpand_more

Our renovation loans allow a buyer to purchase or refinance and renovate a property with one loan and one closing. We offer the FHA 203K Renovation Loan and a Conventional Renovation Loan.

Our Personal Loansexpand_more

Our personal loans are unsecured and can be used for renovations. We offer same-day funding on loans up to $100,000.

Lori - Smardbuild Employee

Lori Harges


Mortgage Advisor, NMLS# 2423275, Licensed in IL

As a homeowner, Lori can sympathize with the stress of purchasing a home. As a Mortgage Advisor, she knows the process inside and out. And, with her prior experience as a counselor, she knows how to listen to the needs of others and help individuals who are feeling overwhelmed.

Together with her knowledge of the mortgage industry and her desire to help people she will guide you through the process from start to finish.

HOW OUR FINANCING WORKS

01 | Apply Online

Apply online for 12-Month or 5-Year loan. You can complete the application process for our 12-month or 5-year financing options directly online through our secure portal.

02 | Contact Lori

If you are interested in financing options for new construction or home additions, reach out to Lori, our mortgage advisor, to discuss your needs and start the application process.

EMAIL LORI
03 | Begin Your Project
Once your financing is approved, you can kickstart your home improvement or construction project without delay!
A rear view of a blue house with large windows and a spacious backyard by Smardbuild in Naperville, Chicago

What Our Clients Think

"Marek and the Smardbuild team did a beautiful job on our siding project! We replaced our 36 year old cedar siding with James Hardie plank siding. New soffits, fascias, frieze boards and gutters were also part of the work. Their attention to detail exceeded our expectations. Unlike some other contractors we interviewed, Marek followed the James Hardie specs with care, precision and no unapproved substitutions. Even in the winter, the job was done in a careful, timely manner. We highly recommend Smardbuild!"

James P.

James Hardie Siding

A modern grey house with a spacious backyard and patio area by Smardbuild in Naperville, Chicago

What Our Clients Think

"Mark from SmardBuild construction is an honest hard-working man. Used him for Hardie board siding. Was referred to him by a friend. He is awesome!  He gave us a fair and honest estimate. I also used him for the replacement of windows on a rental property. He is so nice to work with and did exactly what he said and when he said he would do it. I will definitely use him for all my future projects. Great work and person. Would highly recommend him."

John N.

James Hardie Siding

Exterior view of a grey house with stone detailing, renovated by Smardbuild in Naperville, Chicago

What Our Clients Think

"We had an awesome experience working with Smardbuild. Smardbuild replaced our siding, gutters, soffit and fascia, Everything from our first discussion regarding the work to be completed to the proposal and the completed work was a very positive. Marek and Smardbuild team went above and beyond to ensure all work was completed professionally and on time. They definitely exceeded our expectations. Marek even completed some work for us that was not included in the original scope of work. We highly recommend Smardbuild Construction, Remodeling, and Siding for your next project."

Rich S.

Siding, Gutter & Soffit and Fascia Remodel

Ready to Transform Your Home?

Discover the Possibilities

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Don't wait to make your dream home a reality. Contact us today to explore how our expert services can elevate your living space.