Plan your Los Angeles remodel
Start with what you want to change, what your home needs and a written estimate. Then compare funding options with a qualified lender before committing to a construction schedule.
Request a remodeling estimateUnderstand the choices
Paying from savings avoids taking out a new loan. Decide how much you can use while keeping an emergency reserve and room for unexpected conditions uncovered during construction.
Consider: whether to complete the full scope now or discuss practical phases.
A home equity loan generally provides a lump sum. A home equity line of credit lets you draw funds over a defined period, subject to the lender's terms. Both use your home as collateral; failure to repay can put your home at risk.
Ask: how the rate, payments, fees and repayment period can change.
This replaces your current mortgage with a larger loan and makes part of the difference available as cash. Review the cost of replacing your existing mortgage, including the new rate, term and closing costs.
Ask: what happens to your total borrowing cost, not just the monthly payment.
Programs such as FHA 203(k) and Fannie Mae HomeStyle Renovation can combine an eligible purchase or refinance with renovation funding. Availability, contractor requirements, work scope and fund release rules depend on the program and lender.
Ask: which documents, inspections and approvals are needed before work begins.
Before you choose a lender
From idea to a defined scope
Share the rooms involved, your neighborhood, photos and priorities. Start with kitchen, bathroom or whole-home remodeling.
Discuss site conditions, material selections, permits and exclusions. A written estimate gives you a defined project to discuss with a lender.
Confirm funding requirements with your lender. Discuss the construction contract, payment milestones and any lender review process before agreeing to a start date.
No. We currently have no financing program or lending partner. Contact a lender of your choice directly. Please do not send financial account information or credit application documents through our estimate form.
Yes. Tell us about your remodeling project so we can discuss its scope and a written estimate. An estimate is not a credit approval or a guarantee that a lender will fund the project.
Ask us to review the scope. Some work can be separated into phases, while shared plumbing, electrical, waterproofing or permit requirements can make that impractical. We will discuss the tradeoffs for your project.
See our ADU financing overview for Los Angeles homeowners and confirm current options with a qualified lender. Program availability and eligibility vary.
Tell us what you want to build or improve. We will help define the remodeling scope.
Call (323) 593-3663General educational information, reviewed September 21, 2026. This is not personalized financial, tax or legal advice. Verify current terms and suitability with your lender or qualified adviser. Fix Brothers is not affiliated with the agencies or programs linked above.
