Financing
Flexible ways to pay for it
Most of our customers finance at least part of the project. Here's how payment actually works and what your options are.
How payment is structured
Every project runs on the same schedule, written into your contract before anything is ordered:
- 30% at signing — releases engineering and puts your materials into the factory queue
- 40% at material delivery — when your structure arrives on site
- 30% at final inspection — after the permit is closed and you've walked it with us
No payment is due for work that hasn't happened, and the final payment is genuinely final — permit fees, engineering, foundation and electrical are all inside the quoted number.
Financing options
We work with third-party home-improvement lenders who specialise in this kind of project. A typical approval takes a few minutes and a soft credit check that doesn't affect your score.
Depending on the lender and your credit, options generally include deferred-interest promotional periods, fixed-rate instalment loans over longer terms, and reduced-payment plans during the build.
Specific rates, terms and promotional offers go here once a lending partner is in place. Do not publish specific APR or promotional terms until they come from the lender in writing, and include the disclosures they require.
Other ways people pay
- HELOC or home equity loan — usually the cheapest money available to a Puget Sound homeowner, given what local equity looks like
- Cash-out refinance — worth a look only if you'd be refinancing anyway
- Straight cash — no discount, but no interest either
We're not licensed financial advisers and we don't earn anything on which route you pick. Talk to your own bank or credit union too — sometimes they beat everything we can offer.
Does an enclosure add value?
It depends entirely on what you build. A heated, permitted four-season sunroom adds finished square footage to your home and appears on the appraisal. An unheated three-season room or covered patio generally does not add recorded square footage, though a well-built one absolutely helps a house sell.
Every project we build is permitted and inspected. Unpermitted work is the single fastest way to turn an improvement into a problem at closing.
| Patio cover | $12,000 – $25,000 |
|---|---|
| Screen room | $18,000 – $32,000 |
| 3-season room | $28,000 – $55,000 |
| 4-season sunroom | $55,000 – $120,000 |
Ranges depend on size, site access, foundation work and finish level. Your written quote is a fixed number.
Get a Free EstimateCommon Questions
Financing FAQ
Do I need to pay for the estimate?
No. The site visit, the feasibility checks and the written quote are free, and there's no obligation. If your lot coverage or a protected tree kills the design, you'll hear that on day one at no cost.
When is the deposit due?
At contract signing. It releases the structural engineering and puts your materials into the factory queue — both of which have to start before the permit comes back if you want the project finished this season.
What if the permit gets denied?
It's rare, because we screen for the things that cause denials before we quote. If a jurisdiction refuses a permit we can't resolve through the normal correction process, we refund your deposit less any engineering already performed.
Are permit fees included?
Yes. Permit fees, structural engineering, the foundation and electrical work are all inside the quoted number. The only things that change the price are change orders you approve in writing — typically rotten framing or an undersized deck we find once we open things up.
Can I finance only part of it?
Yes. Plenty of people put the deposit on cash and finance the balance, or finance the structure and pay for the finishes outright.
Ready to create your enclosure?
Let's bring your vision to life. Schedule a free, no-obligation estimate today.
A more beautiful way to live outside.