CONSTRUCTION FINANCING. BUILT AROUND YOUR VISION.
Elevate Your Home
with Flexible Financing.
The Full Deck Financing Path.
At Full Deck Construction, we believe funding your vision should feel as seamless as the build itself. Our financing partners offer lending paths for custom homes, additions, structural renovations, interior remodeling, equity-based projects, and qualifying investor work.
SOFT-INQUIRY OPTIONS
Explore without immediate credit impact
MULTIPLE LENDING PATHS
Personal, equity, mortgage, and investor
PROJECT-ALIGNED
Renovations, additions, and new builds
THIRD-PARTY LENDERS
Approval and terms set by each lender
A SMARTER WAY TO BUILD
Premium construction is easier to plan when the funding strategy is clear.
Instead of viewing the project only as one large total cost, financing can help clients evaluate the transformation through a predictable monthly-payment structure. The right path depends on the project, property, available equity, credit profile, investment strategy, and desired cash-flow plan.
By aligning the funding conversation with scope, design, procurement, and scheduling, Full Deck helps clients plan premium construction without separating the financial strategy from the realities of the build.
WHY CHOOSE OUR FINANCIAL PROGRAMS?
Protect cash flow without compromising the project vision.
Flexible lending can make it easier to move forward with the right scope, materials, and finishes while preserving personal or investment liquidity.
01
Instant Comfort & Enhanced Value
Improve the way the property functions and feels today while investing in long-term usability, quality, and potential market value.
02
Predictable Budgeting
A structured monthly payment may help protect personal or investment cash flow instead of concentrating the entire project cost into one immediate outlay.
03
Flexible Project Range
Available programs may support anything from focused aesthetic upgrades to major renovations, additions, ground-up construction, and qualifying investor projects.
FINANCING PATHS
Different projects call for different funding structures.
The following categories are intended to help organize the conversation—not to replace advice from a licensed lending or financial professional.
01
Home Improvement Loans
Unsecured personal-loan programs can be useful for kitchens, bathrooms, finish upgrades, and other improvements when clients prefer not to use home equity.
02
Equity-Based Options
HELOCs and cash-out refinancing may provide access to home equity for larger renovation plans, subject to property value, mortgage position, and lender requirements.
03
Construction & Investor Lending
Construction loans and fix-and-flip products can support staged draws, ground-up builds, additions, and qualifying investment projects.
HOME IMPROVEMENT PROGRAMS
Compare flexible options for renovation and improvement projects.
Program information below reflects lender-published details reviewed in July 2026 and may change at any time.
HFS FINANCIAL
Personal Home Improvement Loans
- Personal home-improvement loan requests up to $450,000
- Fixed-rate programs with terms from 1 to 30 years
- Rates advertised from 7.8% for qualifying borrowers
- Inquiry does not affect the applicant’s credit score
- No home-equity requirement or appraisal on described personal-loan programs
- 120% financing is advertised for qualifying projects
- No prepayment penalties on described programs
- Loan proceeds may be available within 48 hours after approval
Potential fit: Best suited for homeowners seeking a direct-to-consumer personal-loan path for residential improvement work.
ACORN FINANCE
Home Improvement Loan Marketplace
- Personal-loan offers from $1,000 up to $100,000 for qualified applicants
- Compare offers from more than 20 participating lenders
- Extended repayment terms up to 20 years may be available
- Initial pre-qualification uses a soft credit inquiry
- Qualified applicants may receive funds as soon as one business day
- No prepayment penalties on described offers
- Funds can be used for home-improvement expenses
- Rates, fees, and terms vary by participating lender and borrower profile
Potential fit: Best suited for homeowners who want to compare multiple unsecured personal-loan offers through one marketplace.
BEACH LINE MORTGAGE
Mortgage-based options for larger property plans.
For custom construction, additions, major renovations, equity access, and qualifying investment projects, mortgage-based products may offer a more suitable structure than an unsecured personal loan.
01
Construction Loan
A staged-draw structure that can fund new construction, additions, or major renovations as work progresses.
02
HELOC
A revolving line of credit secured by available home equity, allowing qualified homeowners to draw funds as needed.
03
Cash-Out Refinance
A replacement mortgage that may convert available home equity into a lump sum for qualifying property improvements.
04
Fix & Flip Loan
Shorter-term financing designed for qualifying investors purchasing, renovating, and reselling property.
Beach Line Mortgage and Full Deck Construction are separate businesses. Mortgage products, eligibility, terms, licensing, underwriting, and disclosures are administered through the applicable mortgage provider.
A PRACTICAL STARTING POINT
Match the financing conversation to the project.
These examples are educational only. The lender determines which products are available and appropriate after reviewing the borrower and property.
Kitchen, Bath, or Interior Renovation
Personal home-improvement financing or available home equity may be worth comparing, depending on project size and desired payment structure.
Addition or Custom Home
Construction lending or equity-based options may better align with staged work, substantial budgets, and longer project timelines.
Investor Renovation
Fix-and-flip, construction, bridge, or investment-property lending may be relevant depending on acquisition, renovation, and exit strategy.
FINANCING SUPPORTS THE PROJECT—NOT THE OTHER WAY AROUND
Define the construction scope before choosing the funding path.
Review Full Deck’s construction services, identify the likely scope, and then use the project-review form to share your location, investment range, timing, and financing interest.
HOW THE CONVERSATION MOVES FORWARD
Start with the project. Coordinate the financing around it.
01
Submit the Project Review
Describe the property, construction scope, investment range, timing, and whether financing is part of the plan.
02
Clarify the Construction Scope
The project conversation identifies the likely work, constraints, documents, and budget considerations.
03
Compare Financing Categories
A licensed lender can evaluate available personal-loan, equity, mortgage, construction, or investor programs.
04
Coordinate the Next Step
Qualified projects move into planning or preconstruction with the funding path considered alongside the build.
FINANCING QUESTIONS
Important details before you apply.
Does Full Deck Construction approve the loan?
No. Full Deck Construction is not the lender and does not make credit or underwriting decisions. Applications, approvals, disclosures, rates, and terms come from the applicable third-party lender or mortgage provider.
Will checking options affect my credit?
Some partner pathways advertise soft-credit pre-qualification or inquiry options that do not immediately affect the applicant’s credit score. A formal lender application may involve additional credit review.
Can financing cover a custom home or addition?
Potentially. Construction lending and certain equity or mortgage products may support qualifying new builds, additions, and major renovations. Eligibility and draw structure depend on the lender and project.
Can investors use the financing options?
Qualifying investors may consider fix-and-flip, construction, bridge, or investment-property financing. The lender evaluates the property, borrower, budget, timeline, and exit strategy.
Should I choose financing before contacting Full Deck?
Not necessarily. It is often more useful to define the likely construction scope and investment range first, then compare financing categories against the actual project.
Are the advertised amounts and terms guaranteed?
No. Published ranges are informational only. Actual availability, amount, APR, payment, term, fees, timing, collateral requirements, and approval are determined by the lender and can change without notice.
READY TO PLAN THE BUILD?
Tell us about the project—and whether financing is part of the plan.
The detailed project review gives Full Deck enough information to evaluate the construction opportunity and include financing interest in the first conversation.
Important financing disclosure: Full Deck Construction LLC is not a bank, lender, mortgage broker, financial adviser, or credit-repair provider. Financing is offered by independent third-party lenders and mortgage providers. Loan amounts, APRs, rates, payments, terms, fees, collateral requirements, funding timelines, soft-credit inquiries, eligibility, and approval are subject to lender guidelines, borrower qualification, underwriting, program availability, property review, and change without notice. Borrowers should review all lender disclosures and consult appropriate financial, tax, and legal professionals before accepting financing.