Flexible Payment Options
The home you want now.
On a monthly plan.
A new roof, a finished basement, the kitchen you've been putting off — you shouldn't have to wait years to save up for it. We help you spread qualifying projects into manageable monthly payments so you can start now.
Financing is provided through third-party lenders. Approval, rates, and terms depend on the lender and your creditworthiness.
How It Works
Three steps to get started.
No pressure, no obligation. Just a clear path from estimate to the project you actually want.
- 1
Get your free estimate
The call and the first site visit are at no charge. They exist to decide, on both sides, whether the project is a fit before anyone commits to a design phase. We then hand you a clear, line-itemed written estimate — no obligation, no pressure.
- 2
Explore payment options
Want to spread the cost? We review the financing routes that fit your project and budget so the monthly number is clear before you commit.
- 3
Start the work
Once you choose how to pay, your project lead locks the schedule. No waiting years to save up for the home you want now.
Why Pay Over Time
Smart reasons homeowners finance.
Keep your savings intact
Leave your emergency fund where it belongs. Put the project on a predictable monthly plan instead of draining cash reserves.
Fix it before it gets worse
A failing roof or water damage only costs more the longer it waits. Financing lets you handle it now, on your terms.
Do it right the first time
Pick the materials and scope you actually want — not the stripped-down version — without the lump sum standing in the way.
What You Can Finance
Most projects qualify.
If it adds value to your home, there's a good chance you can put it on a payment plan.
- Roofing & storm-damage replacement
- Kitchen & bathroom remodels
- Basement finishing
- Home additions & expansions
- Siding & exterior work
- Decks & outdoor living
- Whole-home remodels
- Driveway & paving projects
Financing FAQ
Questions homeowners ask.
- How does financing a project with Real Elite work?
- It starts with a free, no-obligation estimate. If you would like to pay over time rather than in a lump sum, we walk you through the financing options that fit your project and budget so you see the monthly picture before you decide anything. You are never required to finance — it is simply an option for homeowners who prefer predictable monthly payments.
- Will checking my options affect my credit score?
- Many financing programs offer a pre-qualification step that uses a soft credit check, which does not affect your score. A formal application later may involve a hard inquiry. We will tell you which step you are on before anything is submitted, so there are no surprises. Exact terms, rates, and approval depend on the lender and your credit profile.
- What kinds of projects can be financed?
- Most of our work qualifies — roofing, kitchen and bathroom remodels, basement finishing, additions, siding, decks, whole-home remodels, and paving. If you are unsure whether your project is a fit, just ask during your estimate.
- Is there any obligation if I ask about financing?
- None. Asking about payment options does not commit you to the project or to any loan. We are happy to lay out the numbers so you can make the decision that is right for your household.
- Do you offer financing across WV, MD, and VA?
- Yes. Real Elite Contracting is licensed and insured in West Virginia, Virginia and Pennsylvania, and we can discuss payment options with homeowners throughout our service area in the Eastern Panhandle and surrounding counties.
- What does a project usually cost?
- Published ranges, not quotes: Lower Levels & Basements $75K – $350K+; Kitchens $60K – $200K+; Primary Suites & Baths $40K – $250K. Financing does not change those ranges. Approval, rates, and terms depend on the lender and your credit. The full table is on the investment guide.
- Is the first visit free?
- The call and the first site visit are at no charge. They exist to decide, on both sides, whether the project is a fit before anyone commits to a design phase.
- Do you pull the county and HOA permits?
- Yes. Permit applications, town zoning where it applies, and the HOA architectural package are part of the work, included as line items. County fees are published and small relative to the work; the HOA package is mostly time. A county permit is not HOA approval. Both are sequenced before demolition so the schedule is real.
- How long does a typical job take?
- HOA architectural review typically takes two to eight weeks and runs alongside the county permit, not instead of it. Both are sequenced before demolition so the schedule is real. The construction schedule itself is set from the drawings, the selections, and the site visit, and it is written down before anything is demolished.
Let's talk about your project.
Start with a free, no-obligation estimate. We'll lay out the scope, the price, and — if you want it — the monthly options. Then you decide.