Clear payments. No surprises.
A renovation is one of the largest purchases most homeowners make, so the money side should be as clear as the work. Every CW Services job starts with a free written estimate and runs on a payment schedule written into the contract. We are not a lender and do not arrange loans, but we will walk you through the numbers so you can talk to your bank with a real estimate in hand.
From estimate to final payment.
The same four rules apply to every job, from a single-room paint job to a whole-home renovation, so you always know what you owe, when it is due, and what it pays for before any work starts in your home.
A written estimate first
Glenn walks the project and writes an estimate that lists labor and materials as separate lines, usually within a week. Sales tax applies only to taxable materials, and the estimate shows it.
A payment schedule in the contract
Every contract spells out when money is due: a deposit at signing, progress payments tied to milestones you can see, and a hold-back due at handoff once the punch list is done.
Changes in writing
If the scope changes after work starts, the change is written up with its price and signed before the extra work begins, so the total never moves without your signature.
Pay the way that suits you
We accept check, ACH bank transfer and credit card. Card payments carry a small processing fee, which we tell you about before you pay.
How homeowners usually pay for a renovation.
These are the common routes. Rates and terms change and depend on your credit and your home, so compare offers from your own bank or credit union. Whatever you choose, have the written estimate first; a lender will want to see it, and it keeps you from borrowing more or less than the job needs.
Savings or cash on hand
The simplest route, with no interest and no application. Many homeowners pay the deposit from savings and fund the progress payments as the work moves along.
Home equity line or loan
Borrowing against the equity in your home is a common way to pay for a larger renovation. Banks and credit unions offer these; ask about closing costs, variable versus fixed rates, and how long approval takes before you schedule the start date.
Cash-out refinance
Replacing your mortgage with a larger one and taking the difference in cash can make sense for a whole-home project. Compare the new rate against your current one before deciding.
Personal or home improvement loan
Unsecured loans are faster to arrange but usually cost more than borrowing against your home. Compare offers from more than one lender, and read the terms on fees and early payoff.
Questions about this page
- Does CW Services offer financing?
- No. We are not a lender and do not arrange loans or take a commission on one. We give you a written estimate and a payment schedule, and you fund it however suits you.
- When do I pay, and how much up front?
- The contract sets it out: a deposit at signing, progress payments at milestones, and a hold-back due at handoff once the punch list is complete. Nothing is due before you sign.
- Can you give my lender what they need?
- Yes. The written estimate lists labor and materials separately, and Glenn can talk your lender or bank through the scope if they have questions.
Ready to talk through your project?
Free estimate. Written same week. Glenn walks the project, Megan handles scheduling. No pressure, no salesperson.