Staged Portland home remodel interior representing H&C Design-Build projects

Project Financing with U.S. Bank Avvance

H&C Design-Build partners with U.S. Bank Avvance to offer remodeling project financing with competitive rates, fixed terms, and no home equity requirement.

U.S. Bank Avvance PartnerScore-Safe Verification48-Hour Funding
U.S. Bank Avvance Logo

Financial Coordination

Build now. Pay over time.

U.S. Bank Avvance offers financing from $300 to $25,000 for qualifying projects. That covers many bathroom updates, deck builds, window replacements, accessibility modifications, and targeted upgrades without touching your savings or home equity.

By partnering with U.S. Bank Avvance, we coordinate your funding directly with the construction timeline. Pre-qualification takes minutes, and funding completes in days rather than the 30-45+ days typical of equity-based products.

We manage the technical coordination between the bank and the job site, handling the verification and funding details from start to finish.

Direct Partner Official U.S. Bank Avvance financing partner.

Confirm Your Budget Range
1
Stage 01

Confirm Your Budget Range

Know your borrowing limit in minutes before you commit to a specific design or scope.

  • 1Submit a soft credit inquiry through our U.S. Bank Avvance portal
  • 2Get immediate notification of your pre-approved amount
  • 3Check your budget range without affecting your credit rating
  • 4Provides a realistic starting point for our design-build team
Finalize Your Terms
2
Stage 02

Finalize Your Terms

Once we finalize your project price, you receive a direct mobile application link.

  • 1Choose from flexible terms ranging from 3 to 60 months
  • 2Complete the full application on your mobile device in minutes
  • 3Select the specific loan option that matches your monthly budget
  • 4Fixed interest rates with no hidden fees or balloon payments
Fast Project Funding
3
Stage 03

Fast Project Funding

Funds go directly to the project so construction can start on your schedule.

  • 1Finalize your loan and construction schedule at the same time
  • 2H&C receives payment within 48 hours of loan finalization
  • 3Avoid the long wait times of traditional home equity loans
  • 4One clear path from funding to your project start date

Project Scenarios

How our clients use project financing.

The Bathroom Refresh
SCENARIO 01

The Bathroom Refresh

New tile, fixtures, vanity, and lighting. Avvance financing covers the full scope of a targeted bathroom update while keeping your savings accessible.

“Low monthly payment, high daily impact.”

The Deck Build
SCENARIO 02

The Deck Build

New outdoor living space with composite decking and railing. Finance the project in days instead of waiting weeks for a HELOC, and keep your home equity untouched.

“Fast funding, predictable payments.”

The Advantage

Smart capital for your home's infrastructure.

We treat project financing as a practical tool to maintain project momentum and lock in current construction costs.

01PROTECT EQUITY

Preserve Your Home Equity

Qualify based on creditworthiness, not home value. Keep your low-rate mortgage and existing equity exactly where they are.

02SCORE SAFE

Score-Safe Verification

Check your budget range with zero impact to your credit score. Hard inquiries only occur if you choose to move forward.

03STABLE TERMS

Price Stability

Lock in current construction labor and material costs. Financing lets you build at today's prices rather than waiting for future increases.

04QUICK FUNDING

Direct Funding Timeline

Traditional HELOCs can take 45+ days. Our partner funding typically completes in 3-5 business days, keeping your start date on track.

Let's verify your project scope and budget.

Start a ConsultationCall (971) 409-5926

Common Questions

Financing FAQ

01Does pre-qualifying affect my credit score?

No. The initial pre-qualification through U.S. Bank Avvance uses a soft credit inquiry, which does not impact your credit score. A hard inquiry only occurs after you review your offers and choose to accept one.

02What credit score do I need to qualify?

U.S. Bank Avvance considers a range of credit profiles. The best way to find out is to submit a pre-qualification application, which takes minutes and has no impact on your score. Your preliminary offers will reflect the rates and terms available to you.

03How much can I borrow for a remodeling project?

Loan amounts through U.S. Bank Avvance range from $300 to $25,000, depending on creditworthiness and other factors. This covers many bathroom remodels, deck projects, window replacements, and accessibility modifications. For larger projects, we can discuss combining Avvance financing with other options.

04How long does the approval process take?

Pre-qualification results come back in minutes. Once you accept an offer, final verification and funding typically complete within a few business days. We coordinate the timing so construction can start as soon as funds are available.

05Can I finance the full project cost, including permits and materials?

Yes. The loan covers your total contracted project cost with H&C Design-Build, which includes labor, materials, permits, and trade coordination. You receive one loan for the complete scope.

06Do I need home equity to qualify?

No. U.S. Bank Avvance financing is based on your credit profile, not your home equity. This makes it accessible to recent home buyers, homeowners who have refinanced, and those who prefer to keep their equity untouched.

07What types of projects can I finance?

Any residential remodeling project we contract: kitchens, bathrooms, whole-home renovations, structural repairs, ADUs, decks, concrete work, and exterior upgrades. If H&C builds it, you can finance it.

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