Loading
Loading
Flexible Payment Options
A new kitchen or bath should not be on hold while you save up. Three Brothers Kitchens & Baths works with reputable lending partners so you can start your project sooner, with monthly payments that fit your budget.
Lowest Rate
Typically the lowest interest rate option. Borrow against home equity, draw funds as needed during the project. Best for projects $50,000+.
Long Term
Replace your existing mortgage with a larger one and take the difference in cash. Good fit if current rates are favorable to your existing rate.
Fastest
Unsecured renovation loan funded in days, no home equity required. Fixed monthly payments, terms 5–15 years. 0% promo periods available.
Predictable
Fixed-rate, fixed-term loans from your bank or credit union. Good middle ground between HELOC flexibility and cash payment certainty.
Visit our Chappaqua showroom or schedule an in-home visit. We discuss scope, budget, and timeline — no pressure.
After the design phase, we deliver a detailed written proposal so you know the exact total before any financing application.
If you want financing, we connect you with our vetted partners. Soft credit checks only at this stage — no impact on your score.
Our contract uses staged payments tied to completed work, which lines up cleanly with how renovation financing disburses funds.
Yes. Three Brothers Kitchens & Baths works with several reputable third-party lenders that offer renovation financing for projects between $5,000 and $250,000+. Most homeowners qualify for fixed-rate installment loans with terms from 5 to 15 years. We can introduce you to lending partners during your design consultation.
Most Westchester, Rockland, Bergen, and Fairfield County homeowners use one of four options: (1) cash for projects under $40,000, (2) a home-equity line of credit (HELOC) for larger projects (lowest rates), (3) a cash-out refinance if you have significant equity and want to lock in a long-term rate, or (4) unsecured contractor financing through partners like Hearth or GreenSky for fast funding without using home equity.
Most renovation financing partners require a minimum FICO score of 640 for the lowest tiers, with the best rates typically requiring a 700+ score. HELOCs and home-equity loans through your bank usually require 680+. We can prequalify you with a soft credit pull that does not affect your score.
Yes. Our standard contract uses a milestone-based payment schedule: a deposit at signing, payments at demolition, rough-in inspection, cabinet delivery, and final walkthrough. This protects you (you only pay for completed work) and aligns with how most renovation financing disburses funds.
Yes, certain lending partners offer 0% APR promotional periods (typically 6, 12, or 18 months) on qualifying renovation loans. These are best suited for smaller projects or homeowners who plan to pay off the balance during the promo period. We can match you to current promotions during your consultation.
No. Our project pricing is the same whether you pay cash, use a HELOC, or finance through a partner. There are no contractor fees added for financed projects.
Schedule a complimentary consultation. We will help you scope your project, build a realistic budget, and walk through every financing option available to you — no obligation.
Three Brothers Kitchens & Baths is a licensed New York Home Improvement Contractor (WC-37194-H23). We do not originate loans; we connect homeowners with reputable third-party lending partners. All loan terms, rates, and approvals are determined by the lender.