1 min
About a minute to check your options
Remodel financing: spread the investment over time.
Through Hearth you can spread a kitchen, bathroom or new floors over time, with 0% APR promotional options for qualified homeowners. Your itemized proposal gives you the exact number first.
Financing Through Hearth
Check your options in about a minute.
Financing is available through Hearth (NMLS ID 1628533), which works with a network of lending partners, including 0% APR promotional options for qualified homeowners. Checking your options takes about a minute and uses a soft credit check that does not affect your score. Posada is not a lender; rates and terms are set by the lending partner.
- 0% APR promotional options for qualified homeowners
- Use it toward a kitchen, bathroom, flooring or whole-home remodel
- Your itemized proposal tells you the exact number first
Posada is not a lender. Rates and terms are set by the lending partner.
How It Works
Three steps, start to finish.
01
Check your options
Answer a few questions on Hearth’s site. It takes about a minute.
02
Choose an offer
Compare options from Hearth’s network of lending partners, including 0% APR promotional options for qualified homeowners, and choose the one that fits. Rates and terms are set by the lending partner.
03
We schedule your project
With your financing in place and your itemized proposal signed, we set your start date and introduce your project manager.
Hearth · NMLS ID 1628533
Check your options
What You Can Finance
Any Posada project, large or small.
Financing through Hearth can be used toward any project in your written proposal, from a single bathroom refresh to a whole-home remodel. Because every proposal is itemized line by line, you know the exact number before you check your options.
Kitchen remodel financing
Cabinetry, quartz and granite counters, islands, lighting and layout changes, from a refresh to a luxury, open-concept kitchen remodel. How homeowners compare kitchen financing options.
Bathroom remodel financing
Walk-in showers, tub-to-shower conversions with frameless glass, custom vanities and designer tile, from a bathroom refresh to a spa-style primary suite.
Flooring
Luxury vinyl plank, SPC and WPC, large-format and wood-look tile, hardwood and engineered wood: flooring installed room by room or through the whole home.
Whole home
Bonus rooms, accent walls, entertainment centers, electric fireplace walls and interior remodels that carry one finish through the house, by request.
Investment
Know the number before you apply.
These are typical 2026 ranges from our own Central Florida projects, so you can check your options against a realistic figure rather than a guess.
| Kitchens | Typical range |
|---|---|
| Refresh & update | $15,000 – $25,000 |
| Full remodel | $25,000 – $50,000 |
| Luxury & open-concept | $50,000 – $80,000+ |
| Bathrooms | Typical range |
| Refresh & update | $8,000 – $15,000 |
| Full remodel | $15,000 – $30,000 |
| Spa & primary suite | $30,000 – $50,000+ |
| Whole home | Typical range |
| Accent walls | $5,000 – $15,000 |
| Entertainment centers & electric fireplace walls | $12,000 – $30,000+ |
Ranges reflect typical Central Florida projects in 2026. Your written proposal is exact. Flooring is itemized by the square foot in your proposal. Full breakdowns: the kitchen and bathroom cost guides.
Planning several rooms at once? One team designs and builds kitchens, bathrooms and floors together, with every room itemized in your written proposal. How a combined project works.
Before You Sign
Download the Guide
Every dollar, on paper first.
You never finance a guess. Your proposal lists labor, materials and timeline line by line, so the figure you check options for is the figure you will sign.
- Payment schedule set out in your agreement
- Complete written warranty terms before you sign
The 2026 Kitchen & Bath Guide
Our printed guide: real project photos, what remodels cost in Central Florida, our step-by-step process and every warranty, in one PDF.
In a Client’s Words
Numbers you can hold us to.
5.0
60+ five-star reviews
on Google
on Google
“We decided to go with Posada Remodeling for our shower remodel and they did not disappoint! Not only was the price very reasonable, but they also went above and beyond to make sure our shower was repaired correctly when an unforeseen issue arose. The shower looks phenomenal.”
Zach K.
Walk-in shower remodel · Google review
Good Questions
Plain answers about financing.
Does checking my options affect my credit score?
No. Checking your options through Hearth uses a soft credit check that does not affect your score, and it takes about a minute. If you go on to accept an offer, the lending partner sets the rates, terms and any further steps.
Is Posada the lender?
No. Posada is not a lender. Financing is available through Hearth (NMLS ID 1628533), which works with a network of lending partners, and rates and terms are set by the lending partner. Your loan agreement is with that partner. Your proposal, remodeling agreement and warranty are with Posada.
How do I finance a kitchen or bathroom remodel?
Financing is available through Hearth (NMLS ID 1628533), which works with a network of lending partners, including 0% APR promotional options for qualified homeowners. Checking your options takes about a minute and uses a soft credit check that does not affect your score. Posada is not a lender; rates and terms are set by the lending partner. You can also pay from savings or through your own bank.
Do I have to use financing if I check my options?
No. Checking your options uses a soft credit check that does not affect your score, and you choose whether to accept an offer from a lending partner. You can also pay from savings or through your own bank.
Do I need home equity to finance a remodel?
Not necessarily. Some homeowners use a home equity loan or line of credit through their own bank; others check options through Hearth, which works with a network of lending partners. What you qualify for is decided by the lending partner. Posada is not a lender.
Can I finance part of the project and pay the rest?
How you pay is your choice. The payment schedule is set out in your agreement, and any amount you finance, with its rate and terms, is set by the lending partner.
Begin Here
Real numbers, then a decision.
A complimentary in-home design consultation. We listen first, tell you honestly which budget range your project falls into, and put every line in writing before you decide how to pay for it.