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Financing Built to Fit Your Sacramento Remodel


Get the project you want with financing options designed for Sacramento homeowners.

Call: (916) 956-1918 Get In Touch

Living area by H&H Builds in Sacramento with wide sliders to pool, lounge seating, and open flow to a white and wood kitchen

Financing Your Construction Project

Financing often becomes an essential part of the conversation for homeowners planning kitchens, additions, ADUs, or whole-home renovations because of the significant investment required.

At H&H Builds we offer clear, flexible financing support to help homeowners make smart decisions, not rushed ones. We’ve also partnered with a renovation-focused lender that gives you access to more options, including borrowing against your home’s future value, not just its current one.

We’ll guide you through every step, from scoping a realistic budget to prepping lender-ready estimates and timelines. Whether you’re ready to finance or just exploring your options, we’ll make sure you’re set up for success.

How We Help You Finance Smarter

select_check_boxTransparent, accurate estimates based on your goals
select_check_boxScopes built to support lender pre-approval
select_check_boxTimeline planning that fits real-world funding cycles
select_check_boxA no-pressure approach rooted in integrity and experience
select_check_boxCoordination with your lender to keep things on track
select_check_boxIdeal for projects from $50K to $500K and beyond

Who We Partner With

For clients who need a financing partner, we work with RenoFi,  a lending platform built specifically for renovations.

With RenoFi, you can:

  • Borrow based on after-renovation value, not current equity

  • Access credit union rates without refinancing your mortgage

  • Finance larger projects without compromising your plans

  • Move forward sooner with smarter terms and flexible options

We’ll help prepare your project details, connect you with RenoFi when you’re ready, and keep your timeline aligned from estimate to build.

Josh Bartucca Headshot

Your Loan Officer

Josh Bartucca

Senior Loan Officer - NMLS# 461713

916-549-3884

http://renofi.com/josh-bartucca/

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How It Works

1 | MEET

We’ll talk through your vision, budget, and timeline. This helps us guide you toward a smart scope, whether you're financing the full project or part of it.

2 | PLAN

We’ll create a detailed, lender-ready estimate with cost breakdowns and schedules. Already working with a lender? We’ll align with their process.

3 | BUILD

Once you’re funded and ready, we handle permits, scheduling, and every build detail. We keep you informed, and we keep things moving.

What Makes Our Remodeling Loan a Better Choice

  H&H + RenoFi Loan Cash-Out Refi Construction Loan
Loan Based on After Renovation Value ✔ ✘ ✘
Borrow up to 90& of Future Value ✔ ✘ ✘
No Need to Refinance Exisitng Mortgage ✔ ✘ ✔
Flexible Use of Funds (Remodels, ADUs, Additions) ✔ ✘ ✔
Streamlined Inspections and Draws ✔ ✘ ✘

 

Frequently Asked Questions About Financing a Remodel

Can I finance a remodel if I don’t have a lot of equity in my home?expand_more

Yes. RenoFi lets you borrow based on your home’s future value, not just what it’s worth today. This makes it a solid option even if you haven’t built up much equity yet, especially if you bought recently or are early in your mortgage.

How does financing work for major projects like additions or ADUs?expand_more

Most lenders treat these projects like large-scale renovations, which means you can often borrow based on your home’s future value, not just its current equity. That’s where our partnership with RenoFi comes in. They work with credit unions to offer renovation loans that are specifically built for things like ADUs and additions. You keep your current mortgage, you do not need to refinance, and we help align the loan with your project scope, timeline, and draw schedule.

See our cost guide for current local cost ranges for projects like these.

Can I finance a remodel if my credit isn’t perfect?expand_more

It's possible. RenoFi partners with credit unions that consider credit history, income, and project details. If your score isn’t perfect, you may still qualify, but it might affect your loan terms. We can help you see what’s realistic early in the process.

What types of projects are best for renovation financing?expand_more

RenoFi loans are ideal for major remodels, additions, and ADUs, especially if your budget falls between $50,000 and $500,000. They're not built for ground-up custom homes, but we’re happy to work with your lender if you already have financing for one.

Can I combine multiple financing methods?expand_more

Yes. Some clients use a RenoFi loan to get started and supplement with savings, a HELOC, or phase the project over time. We’ll help you structure the approach that fits your goals and cash flow.

Can I start planning my remodel before financing is approved?expand_more

You should. We always recommend locking in your scope and estimate first so that you know exactly how much to borrow. It keeps you from overextending or coming up short once construction starts. We’ll help you get the details lenders need.

What mistakes do homeowners make when financing a remodel?expand_more

The most common:

  1. Borrowing based on guesses instead of documented estimates. This leads to loan modifications mid-project.

  2. Locking into a financing product too early. Sometimes the project scope changes after planning, but the loan doesn’t.

  3. Focusing only on the interest rate. Terms, repayment structure, and draw flexibility matter just as much.

  4. Ignoring long-term plans. Financing should match how long you intend to stay in the home.

  5. Not considering contingency. Older homes in Sacramento often reveal surprises; financing should allow for that.

Where We Work

At H&H Builds, we proudly serve homeowners across the greater Sacramento, CA region, delivering high-quality custom homes, additions, ADUs, and remodels. From the vibrant neighborhoods of East Sacramento to the upscale communities of Granite Bay and El Dorado Hills, we bring our craftsmanship and collaborative approach to every project. Whether you’re looking to transform your existing home or build something new, we’re here to bring your vision to life.

Our Service Area

  • Sacramento
  • West Sacramento
  • East Sacramento
  • Granite Bay
  • El Dorado Hills
  • Folsom
  • Orangevale
  • Rancho Murieta
  • Elk Grove
  • Galt
  • Rocklin
  • Fair Oaks
  • Carmichael
  • Wilton
  • Rancho Cordova
  • Rio Linda
  • Roseville
  • Lincoln
  • Gold River
  • Arden-Arcade
  • Citrus Heights
  • Loomis
  • Antelope
  • Clarksburg
Explore Our Service Area double_arrow

Previous Projects

Cozy Sacramento area living room with brick fireplace, sectional sofa, and large window

Sacramento area bathroom with wood vanity, double sinks, gold fixtures, and modern mirrors

Open Sacramento, CA living room home remodel with modern sliding glass doors

Kitchen bar in a Sacramento, CA home remodel white cabinets

What Our Clients Think

"H&H Builds has completed several jobs for me and never fail to impress! Communication, customer service, workmanship, and the final product are always over and beyond. They are might go-to contractors for any type of job!"

Gina Seidel

Remodel

Open-concept kitchen remodel with a white island and pendant lights by H&H Builds in Sacramento, CA

What Our Clients Think

"Solid construction company. Reliable, trustworthy and down to earth guys. You will have no lack of effort and commitment from the Hunts, they will get the job done. Have had them do numerous remodels and even had clients use them over and over again."

The Jerrett Team

Home Remodel

Renovated living room with natural wood cabinets, decorative shelving, and a stone fireplace by H&H Builds, Sacramento, CA

What Our Clients Think

"I have personally worked with H&H Builds on my home in 2020 and have had the opportunity to recommend them to dozens of clients and friends. They are trustworthy, kind and very knowledgeable. From Kitchen and bath remodeling to whole house construction you will be impressed with their level of care of skills."

Veronica Rivas

Whole-home Remodel

Open concept kitchen in Sacramento, CA with island seating and black barstools

What Our Clients Think

"100% the best experience with H&H builds Inc. A company who truly cares about your goals and completes projects with excellence in every way! I’ll continue to highly  recommend  H&H builds Inc. both in my professional business & to my friends & family as well. Thank you H&H Builds!"

Jenny Ko

Whole-home Remodel

Let’s Build Something Exceptional Together

Your Dream Home Is Just a Conversation Away

From custom builds to stunning remodels, we’re ready to bring your vision to life with integrity, craftsmanship, and care. Reach out today, and let’s take the first step toward creating a space you’ll love for years to come.

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