Upgrade your home without paying out of pocket.
No monthly payments. No traditional loan. Use your home's equity to fund the renovation, and let our licensed crew build it.
Funding provided through our trusted partner. Imperium is not a lender.
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No monthly paymentsNothing due until you sell or refinance
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Not a loan or a HELOCNo interest rate, no growing balance
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Funded by a partnerImperium is not a lender
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Built by a licensed crewCSLB #1149729, 10-year workmanship warranty
How it works.
Three steps. We're with you for all of them.
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Unlock your home's equity
We look at your home and determine how much funding you qualify for, based on its value, your mortgage and the equity available.
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Build now, no monthly payments
The funds go to the project. Our crew designs and builds it, and nothing is due month to month while the agreement runs.
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Settle when you sell or refinance
Repayment happens later, when you sell, refinance or transfer the home, based on its value at that time.
Turn what you have into what you want.
The equity is already there. This puts it to work on the house itself.
Before
After
Wondering if it fits your situation? See who this is for
Build now, without monthly payments.
Fund your renovation without adding another bill. There are no required monthly payments during the life of the agreement, so you can build now without touching your day-to-day finances.
No monthly payments
Your income stays yours. Monthly expenses don't change, so you can take on a larger project without financial strain.
No compounding interest
Unlike a loan, there's no monthly interest piling onto your balance. The structure is tied to the home's future value, not a growing interest payment.
Built for long-term homeowners
Best for people planning to stay or hold the property. You get flexibility now and settle later, when you sell or refinance on your own schedule.
What can you use this for?
Roofing, foundation, electrical, a full kitchen, a backyard with a pool. If it adds to the home, it fits. Turf, pavers, patios and pools included.
Is this right for you?
Ideal if
- You own your home.
- You have equity in the property.
- You want to renovate without monthly payments.
- You plan to stay, or to sell or refinance later on your own timeline.
Not ideal if
- You need short-term cash rather than a funded project.
- You plan to sell immediately.
- You're looking for a traditional loan with an interest rate and a payoff date. We can arrange that too; ask us.
Why this works, and why we offer it.
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Not a loan structure
Built around home value. Repayment is tied to the property's future value, not a monthly burden. No interest, no monthly payments. A completely different model.
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Backed by a trusted funding partner
A specialized financing platform handles the funding. We guide you through the process and the project, so you're not navigating financing and construction alone.
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Designed for real projects
This isn't theoretical. It exists to get work done on your house, by a licensed crew, with a written scope and a 10-year workmanship warranty.
See what you qualify for, in minutes.
No obligation. No impact to your monthly finances. Just clarity on your options.
- Four quick steps. No credit check at this stage.
- We call or text within one business day with the options you qualify for.
- Prefer to talk? (951) 855-0513, every day 7am to 7pm.
Frequently asked questions.
Is this a loan?
No. This is not a traditional loan or a HELOC. There is no interest rate and no monthly payment. It is a home equity-based agreement tied to your property's future value.
Do I make monthly payments?
No. There are no required monthly payments during the life of the agreement. You can complete the project now without adding another bill.
When do I repay?
Later, typically when you sell, refinance or transfer ownership of the home. At that point the agreement is settled based on the home's value.
How much can I qualify for?
It depends on your home's value, your existing mortgage and the equity available. Most homeowners can access a meaningful share of their equity without over-leveraging the property.
Will this affect my credit?
This isn't a traditional loan, so there are no monthly payments reported like a typical credit account. A credit check may be used during qualification, but the structure isn't designed to affect your score the way traditional financing does.
Can I still sell or refinance my home?
Yes. You keep full ownership and control. You can sell or refinance at any time, and the agreement is settled during that process.
Are you the lender?
No. Imperium is a licensed contractor, not a lender. We partner with a specialized funding platform that handles the funding. We guide you through the process and build the project.
Is this only for large renovations?
No. It works for a wide range of projects, from kitchens and bathrooms to full renovations, ADUs and major repairs.
What's the process to get started?
See if you qualify with the form on this page, review your options with us, then move forward with your project. No pressure, no obligation.
Still have questions? Let's walk through it together. Call (951) 855-0513 or book a free consultation.
Build now. Settle later.
See what you qualify for in minutes. No obligation.
Funding is provided through a third-party partner. Imperium is not a lender.