Fund the project without a new monthly bill.
Use your home's equity to pay for the renovation, with no monthly payments until you sell or refinance. Or choose traditional financing with a fixed monthly payment. Two minutes to see if you pre-qualify.
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No obligationPre-qualify, then decide
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Two ways to payNo monthly payments, or fixed monthly
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Funded by a partnerImperium is not a lender
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Built by a licensed crewCSLB #1149729
Two ways to fund it.
Same crew, same project. The difference is when and how you pay.
No monthly payments
$0 / monthSettle when you sell, refinance or transfer the home
- Not a loan or a HELOC. No interest rate and no monthly bill during the agreement.
- Repayment is based on the home's value at settlement, not a growing balance.
- You keep full ownership and can sell or refinance whenever you want.
- Amount depends on your home's value, mortgage balance and available equity.
Best for homeowners with equity who plan to stay a while and don't want another monthly expense.
Pre-qualify for thisFixed monthly payments
Fixed termPay it down monthly and keep your equity untouched
- A set payment and a set payoff date, so the cost is predictable.
- Works if you plan to sell soon or would rather not tie repayment to the home's value.
- Rates and terms are set by the financing partner after a full application.
- Good for smaller projects and quicker payoffs.
Best for homeowners who want a predictable payment or expect to sell in the next few years.
Pre-qualify for thisHow it works.
Three steps, and we're with you for all of them.
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See if you qualify
Two minutes on this page. We look at the property, the project and how you'd rather pay, then call you with real options.
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Review your options
We walk through what you qualify for, what each option costs over time, and what fits your plans for the home. You pick, or you pass.
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Fund it and build it
The funding partner finalizes the agreement. Our licensed crew designs and builds the project, with a written scope and a 10-year workmanship warranty.
What you can fund.
Is the no-payment option right for you?
A good fit if
- You own your home and have equity in it.
- You want to renovate without adding a monthly payment.
- You plan to stay for a while, or to sell or refinance later on your own schedule.
Probably not if
- You need short-term cash rather than a funded project.
- You plan to sell right away. Traditional financing may fit better.
- You specifically want a traditional loan with an interest rate and payoff date. We can do that too.
Quick answers.
Is the no-payment option a loan?
No. It 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, settled when you sell, refinance or transfer the home.
When do I repay?
Later, typically when you sell, refinance or transfer ownership. At that point the agreement is settled based on the home's value. With traditional financing, you repay monthly over a fixed term instead.
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. We'll give you a range on the call.
Will this affect my credit?
Pre-qualifying on this page does not involve a credit check. The funding partner may run one during the full application. The equity-based option has no monthly payments to report like a typical credit account, so it isn't structured to affect your score the way traditional financing does.
Can I still sell or refinance?
Yes. You keep full ownership and control. You can sell or refinance at any time, and the agreement is settled as part of that process.
Is Imperium the lender?
No. Imperium Strategies Group is a licensed contractor, not a lender. Funding comes from a specialized third-party partner. We guide you through the process and build the project.
Do I have to use Imperium for the construction?
The funding is set up around a real project, and we design and build it. That's what keeps the process simple: one team handles the funding paperwork and the work.
What happens after I submit?
We review your details and call or text you within one business day with the options you qualify for. If you want to move forward, we start the partner application with you. Nothing is committed until you sign.
See what you qualify for, in minutes.
No obligation. No credit check at this step. Just clarity on your options.
Not sure which option fits? Pick "Not sure" in the form and we'll walk you through both.