Finance Your Remodeling Project with a HELOC: A Smart Choice for Homeowners

Jose Garcia
Nov 3
4 min read

When it comes to remodeling your home, the question isn’t just what you want to change — it’s how you’re going to fund it. Whether you’re planning to modernize your kitchen, update your bathroom, or add an entirely new space, having the right financing in place is just as important as choosing the right contractor.

At NETC Construction, we’ve worked with homeowners across Washington who dream of transforming their homes but face challenges securing flexible, affordable financing. That’s why we recommend exploring the Home Equity Line of Credit (HELOC) through Figure Lending LLC — a simple, fast, and transparent way to fund your next home improvement project. This option allows you to access the value of your home without the long waits and strict requirements of traditional loans.

With Figure’s HELOC, you can access your home’s equity and turn it into cash to finance your remodeling project without the lengthy wait times or complications that often come with traditional bank loans. It’s a smart financial tool for homeowners ready to invest in their property and elevate their living space.

A Smarter Way to Finance Your Remodel

A Figure HELOC provides flexibility that traditional lenders simply can’t match. It’s designed for modern homeowners who value convenience, speed, and clarity. Whether you’re renovating a single room or doing a complete home overhaul, this financing option gives you access to funds quickly and on your terms.

Quick Approval and Fast Funding

One of the biggest hurdles in home renovation is timing. Traditional bank loans can take weeks — even months — to process, delaying your ability to start construction. With Figure, you can get approved in as little as five minutes and receive funds in as few as five business days. That means you can move forward when you’re ready, not when your lender is.

At NETC Construction, we know how important it is to keep a project on schedule. Fast funding means you can order materials, schedule your team, and begin work without unnecessary waiting.

Flexible Loan Amounts and Terms

Every remodeling project is unique. Whether you need $15,000 for a bathroom upgrade or $400,000 for a full-scale addition, Figure offers loan amounts ranging from $15,000 to $400,000 with repayment terms of 5 to 30 years.

Unlike many traditional loans, there are no prepayment penalties, giving you the freedom to pay off your loan early if your financial situation changes. It’s flexibility that adapts to your goals — not the other way around.

Transparent and Predictable Payments

Budgeting is crucial when remodeling your home. Hidden fees or fluctuating rates can throw your plans off balance. Figure HELOC stands out for its fixed interest rates and transparent payment schedule, allowing you to know exactly what you owe every month. With predictable payments, you can focus on creating your dream space without worrying about changing costs.

That level of clarity gives homeowners confidence to manage both construction and finances smoothly. You can focus on creating the home you want instead of worrying about unpredictable payments or complicated loan terms.

Use It Your Way

Another major advantage of the Figure HELOC is its flexibility in usage. You can redraw up to 100% of your available line of credit for future projects or additional improvements. That makes it ideal for homeowners with long-term renovation plans or multiple properties to improve.

Maybe you start with a kitchen remodel this year and plan to add a deck or finish your basement next year — your HELOC can help fund each phase without needing to reapply for a new loan.

Figure vs. Traditional Loans

Feature	Figure HELOC	Bank HELOC	Personal Loan
Loan Amount	Up to $400,000	Varies	$50,000–$100,000
Approval Time	As little as 5 minutes	Around 26 days	Under 5 minutes
Funding Time	5 business days	42 days (average)	3–5 days
Closing Costs	As low as 1.5%	2%–5%	Up to 12%
Prepayment Penalty	None	None	None
Flexibility	Redraw up to 100%	Redraw up to 100%	Fixed monthly payments

As you can see, Figure’s HELOC offers one of the most streamlined, homeowner-friendly financing options available today. From approval time to closing costs, it’s built to save you time and money.

Additional Benefits of a Figure HELOC

A HELOC through Figure Lending LLC comes with several other financial advantages:

Interest may be tax-deductible (consult a tax professional for details).
No hidden fees or surprise charges.
Available in most U.S. states, with ongoing expansion.
Backed by a reputable, technology-driven lending platform that simplifies the borrowing process.

This transparency and accessibility make Figure HELOC a perfect fit for homeowners who want to invest wisely in their property without unnecessary stress.

Why NETC Construction Recommends Figure HELOC

At NETC Construction, we believe that quality craftsmanship should be paired with solid financial planning. We’ve seen homeowners postpone projects due to financing challenges — but with Figure’s HELOC, that doesn’t have to happen.

By partnering with Figure, our clients gain access to fast, fair, and flexible financing that aligns with their construction goals. It’s not just about getting the money — it’s about getting the right kind of loan that works with your project timeline and budget.

Whether you’re updating your home for comfort, adding value before a sale, or modernizing your property for long-term living, a HELOC can give you the financial breathing room to do it right. And when you choose NETC Construction, you can rest assured that your remodel will be handled with precision, professionalism, and care from start to finish.

Build with Confidence — Start Your Project Today

At NETC Construction, we make remodeling easy, from the first blueprint to the final coat of paint. With the right financing partner and an experienced construction team, you can finally bring your dream home to life — without the financial stress.

Start your next home improvement project today — and let NETC Construction and Figure Lending help you build with confidence.