Long Island Homeworks
Financing Options

Finance your build

Dormers, additions, and custom homes are significant investments. We work with established Long Island lenders on home equity loans, HELOCs, addition loans, and construction-to-perm financing. We coordinate directly with your lender on the draw schedule.

Home equity loans (fixed-rate for additions)
HELOCs (revolving credit for phased projects)
Construction-to-perm loans (ground-up new builds)
203(k) renovation loans where applicable
We coordinate every draw with the bank's inspection
No prepayment penalties on our recommended lenders
Financing considerations

Home equity loan: Best for fixed-cost additions under $300K. Predictable monthly payments. Your existing LI mortgage typically gives you usable equity.

Construction-to-perm: Best for ground-up new builds and major tear-down rebuilds. Interest-only during construction, converts to 30-year perm loan at C.O.

HELOC: Flexible, good for phased remodels where scope may evolve.

Rates and availability depend on credit, equity, and lender terms. We don't originate loans — we coordinate with the lender you choose.

Start with a consultation

Interested in financing?

Tell us about your project. We'll discuss financing options in the first meeting.

No pressure. We call back within 4 business hours to talk through your project. Prefer to talk now? (631) 641-5491

Build now, finance the right way

We've coordinated draws with dozens of LI lenders. We'll point you in the right direction.

Mon–Fri, 7am to 6pm | Saturdays by appointment · Call or text anytime

(631) 641-5491