Flexible ways to fund your vision.
A beautiful home shouldn't wait. We partner with trusted lenders to make financing your project simple, transparent, and tailored to your goals.
Financing built around your project.
Every project — and every family's finances — is different. Here are the most common paths our clients choose.
Renovation Loans
Finance your renovation based on your home's projected value after the work is complete — ideal for larger transformations.
- Borrow against post-renovation value
- Single loan for purchase + renovation options
- Competitive fixed and adjustable rates
- Great for substantial scope projects
Home Equity (HELOC)
Tap your existing equity with a flexible line of credit you draw from as the project progresses.
- Draw funds as you need them
- Pay interest only on what you use
- Flexible for multi-phase projects
- Potential tax advantages (consult your advisor)
Construction-to-Permanent
A single loan that funds construction and converts to your permanent mortgage when the home is complete.
- One closing, one set of costs
- Interest-only during construction
- Converts to a standard mortgage at completion
- Purpose-built for ground-up homes
Unsecured Project Financing
Fast, no-collateral financing for focused projects, with quick approvals and fixed monthly payments.
- No home equity required
- Fast online approvals
- Fixed, predictable payments
- Ideal for defined-scope remodels
From application to approval.
Tell us your vision
We scope your project and provide a clear, detailed budget — the figure your financing is based on.
Get pre-qualified
Connect with one of our lending partners for fast, often same-day pre-qualification with no impact to explore.
Build with confidence
With financing in place, we break ground and bring your project to life on a predictable schedule.
Financing provided through third-party lenders including Hearth, GreenSky, Local credit unions, Your preferred lender. Terms subject to credit approval. Winter Group LLC is not a lender.
Let's make your project affordable.
Tell us about your plans and we'll help you find the financing path that fits.