Your Main Options For Financing A Remodel

Hi I'm Jeremy Maher, one of the owners of Phoenix Home Remodeling. 

My background is not like most contractors. Along with Phoenix Home Remodeling, I own a personal finance & credit education online course.  

My college degree is in finance and I like helping people with money because there's a lot of stress it can cause us. I've also worked in the mortgage, wholesale lending, commercial lending, debt settlement and credit score improvement fields.

That being said, everyone has different views on financing, saving, debt, etc.  I'll provide both the pros & cons of each option and leave it to you to figure out what best suits your needs.

Many of these options don't mean someone doesn't have the funds to pay for the remodel. It's simply an alternative to hold onto your money and leverage financing. Some homeowners also do a combination of these options.

Important Distinctions of Financing

Compound VS Simple Interest

It's important to know the difference between these two.  Albert Einstein said: "Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it. "

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on top of interest. So if you have an investment that is making more interest on top of interest that is great.  If you are being charge compound interest like a credit card then it is bad and it's the main reason it can be hard to get out of credit card debt.

Credit cards are the only form of compound interest you can be charged from the options mentioned on this page. So for that reason, credit cards can be risky, but that doesn't mean it should be taken out of consideration. More on that below under Credit Card Pros & Cons.

Simple interest is were you make or get charged a set amount of interest normally formulated at the start of the loan. A car loan and mortgage are both simple interest where the amount is predetermined at the start and you are not charged compound interest like a credit card.

Secured VS Unsecured Loan

A secured loan is where collateral is securing the loan payback so the bank would collect the collateral if the borrower does not pay back the loan. 

Mortgages and car loans are the 2 most popular forms of secured loans.

Unsecured loans do not have any collateral attached to them so a little more risk is placed on the bank and they usually have a higher interest rate to compensate. 

Most remodel loans and credit cards are unsecured.


Prepayment penalty

This is where there is a penalty for paying the loan off early. Any loan you take out whether it is a mortgage, car loan or remodel loan, you want to always ask if there is a prepayment penalty.  If there is one you want to know how long the penalty is for and how much.

If it was a 20yr loan with a 6mo prepayment penalty, that wouldn't be a big deal compared to a 30 yr loan with a 20 yr prepayment penalty. That is a slightly unrealistic example to emphasize the point that the timeline matters.


Pros & Cons On Remodel Financing Options

Below is a simplified way to analyze each main remodel financing option.  

It is not all-encompassing analysis, but a high-level overview of the main options and the pros and cons.

Financing Options

Cost

Pros

Cons

Remodel 1st Mortgage Cash-out Refinance

Depending on many factors 5-7% interest rate + closing costs.

Pros of mortgages are simple interest instead of compound interest like credit cards.  


They are secured by your home which reduces the banks risk and allows a lower interest rate.  Rates are still currently low which is great. 


Mortgage interest is also tax deductible.


Mortgages allow for a smaller monthly payment because they are spread out over a longer term.


Most mortgages don't have a prepayment penalty.


There is a mortgage program discussed below that offers a loan based on what your property will be worth AFTER the remodel is done! That allows you to borrow more unlike a HELOC mentioned below.

Cons are paperwork and processing can take time.  (We know a company mentioned below who does a great job helping with those two items)


Closing costs can be a downside to a mortgage.


You pay for the loan over a longer period of time which is why you have a lower monthly payment.

HELOC 2nd Mortgage


Closing costs + higher interest rates than a conventional mortgage and the rate can fluctuate. 

Pros of a home equity line of credit (HELOC) are it allows you to only pay on the amount you borrow. So if you only use 30k of the 50k available, you only pay on the 30k you borrowed.  


You can pay off and borrow from the HELOC whenever you want as long as it isn't at the max loan amount.

Cons of a HELOC are the interest rate can fluctuate often and increase your monthly payment.


Normally the monthly payment they require is only for interest so you aren't paying the loan down.  You have to pay extra and this tricks some homeowners.


Usually after 10 years it goes from a 30 year mortgage to a 20 year mortgage so any loan amount still on there gets a dramatic monthly payment increase.


Credit scores usually have to be excellent for a HELOC because of additional risk to banks.


You have to have a decent amount of equity in your home because HELOC are more risky being in the 2nd lien position compared to a regular mortgage.


Remodel Loan




Depends on the bank and  qualifying criteria but the rate is usually 6%-$15% plus loan costs. 

Pros to a remodel loan are that they are for a short period of time so you often pay less interest compared to a mortgage.


It is unsecured so you are not tying it to your home.


Usually you get fast approvals.


Remodel loans are simple interest so the amount of interest is predetermined in the beginning. It doesn't pile up the way a credit card does from compound interest.


We know a good provider for remodel loans mentioned below.

Cons to a remodel loan are the higher monthly payment since you are paying it off in a shorter amount of time. 


The interest rates are higher but they are simple interest not like credit card interest.


Some remodel loan providers require 720 or higher credit scores.

Credit Cards




No initial fee normally but compound interest rates of 10-25% Some credit cards offer 0% for 12-18 months.

The pros to credit cards are not secured to a home or other property.


You can also earn points.


If 0% credit card that can give you 12-18 months to pay off without any interest.  Some people will get a new 0% credit card a month before the other one is due and transfer the balance to give themselves another 12-18 months.


With good credit scores you can ideally 


Credit cards don't always require high credit scores like some mortgages or remodel loan providers. 


They are easy to apply for.

Cons to credit cards are remodel contractors get charged 3% from their merchant account provider so you will get charged 3 percent to cover the cost.


Credit cards are compound interest making it hard to pay off the balance.


Just like a loan, higher credit scores are needed for the best interest rates such as 0% card offers.





401k Loan




10% early withdrawal penalty and possible tax payments

Pros of a 401k loan are quick access to the funds.


Rates are usually pretty low, most are based on the prime rate +1%.


The interest you pay goes back into your 401k so it basically contributes to your plan.

Cons of a 401k loan are 10% early withdraw penalty which is quite hefty.


When you take money out that amount doesn't continue to earn interest.


You will most likely have to pay taxes twice - once on borrowing and once after retirement when drawing from the 401k.

Loan from family member



Hard to say but probably less than banks 

Pros to a loan from a family member are lower interest rates, more flexibility and easier access.

Cons to a loan from a family member in my opinion are mostly around the closeness of the relationship and emotions that can be involved in different situations.

Cash




Cheapest option on paper

Pros of paying cash is no need for paperwork.


No additional interest being charged.

The cons of cash is using your money when it could be "working for you".


If you invest the money and earn a higher rate that si also compound interest (good when you are earning it) and you are paying on a loan with a lower interest rate that is simple interest, you are actually making money from the loan.


Of course this assumes you are ok with the risk of the investments making a higher return than the cost of the loan. 


This is why some financing experts advise not paying your mortgage off even though it is a lot of interest over the life of the loan.  Essentially making a higher amount of interest plus it is compounding interest will make more money than paying off the mortgage faster.


Who we recommend for remodel financing

As you can see there are a lot of options and it depends on your situation, risk level, and your long term VS short term goals.

There are few places we are willing to recommend.  As I mentioned earlier, I came from the mortgage industry and there is only one company I would refer...

Bell Bank Mortgage

There's a ton of mortgage companies out there and the main reason we suggest Bell Bank Mortgage is because of their remodel mortgage program and their Sr. Loan Officer Joel Terrill. We did a remodel for Joel of his 3 bathrooms and flooring. Joel and his wife are amazing people and he has been in the mortgage industry for over 20 years!

Bell mortgage has a program that allows you to borrow up to 95% of what your house will be worth AFTER the remodel is completed! So for a basic example, if your house is currently worth $450,000 and after the remodel it is worth $550,000 you can actually borrow on the future appraised value of $550,000.

Here are more details on Bell's mortgage program:

  • Loans up to $100,000
  • Minimum 700 credit score (If needed, this course will help increase your credit score) 
  • If a purchase, 5% is required
  • Available on conventional, fixed rate loans; max loan amount of $484,350 
  • Can't move walls on this program
  • Contractor must be approved by Bell Mortgage (We are)

Here is more information to contact Joel Terrill:

Joel Terrill  NMLS# 255385

Office: 480-339-8530   Mobile: 602-430-0835

jterrill(at)bellbanks.com

JoelTerrill.com


LightStream from SunTrust Bank

LightStream has one of the easier loans to apply for. Some homeowners will finance part of the project and use cash for another part.  

  • Loans from $5,000 to $100,000
  • Good to excellent credit profiles
  • They provide a .50% discount for enrolling in autopay
  • They have no fees or prepayment penalties
  • Flexible terms
  • Fast funding directly to your bank account!

Click below to learn more about their financing options and get an answer fast after filling out the application:

All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream and has no impact on your service or costs.

Those are the 2 different financing option that we know do a good job with customer service and offer great financing.

Feel free to reach out to us if you have any questions. 

What Your Neighbors Are Saying

(Hover over a review to pause the slider)

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“Phoenix Home Remodeling recently remodeled our master shower!

It was an amazing experience from the beginning to the completion of the project.

They informed us the whole process, showed up on time, communicated with us the progress every day, and the area was cleaned and organized when they left daily.

I can’t say enough wonderful things about the whole team. A+++++!

We love Phoenix Home Remodeling so much that we already recommended them to our friends and neighbors.”

Shujuan L.

“We loved Phoenix Home remodelling. They gave us a three-week estimate to completely redo our kitchen – from demo to rebuild.

They had it completed in 1.5 weeks! They truly care about their work and their customers and it showed throughout the entire process.”

Benjamin P.

“We contracted with Phoenix Home Remodeling to renovate our three bathrooms and they did a fantastic job. Great communication, the project plan kept at least one bathroom functional throughout, absolutely zero corner-cutting, great attention to detail, and very clean work.

Mark, Ben and Jeremy are responsive, helpful, skilled and easy to work with. Their level of craftsmanship is something that every contractor should aspire to.

Absolutely recommend!”

Ian C.

“I had (3) Bathroom remodel and the job was completed in 6 weeks. I allow them to enter my home while I was out on vacation.

Every bathroom exceeded what I imagined.

This group is a great team.

Thanks again PHR for such a great job.”

Mary C.

“My husband and I recently completed a home remodel through Phoenix Home Remodeling that included replacement of the living room floor, new kitchen, laundry room and master bath.

They were recommended to us through a blog that services my daughter’s neighborhood in Gilbert. We did do our due diligence and got 4 estimates but ultimately chose Phoenix Home Remodeling.

We found the company to be reputable with clear and honest communication throughout the process.

They updated us with any changes to the original plan/pricing and finished the project within their estimated timeframe. Most importantly, they were sensitive to our concerns about the safety of our home and were respectful of the condition of our home.

We would most definitely use them again for another home remodeling project.”

Annette B.

“We love Phoenix Home Remodeling! They did an amazing job on our bathrooms as well as the kitchen and den.

They were very prompt with answering our emails and calls as well as addressing any concerns we had.

Highly recommend Phoenix Home Remodeling for your next renovation!”

Jeong K.

“Deciding to remodel my house interior was a major decision.

The scary part of this decision, I lived out of state in NY. I was fortunate enough to still have the first house I purchased while living in AZ. After reviewing various contractors, I felt the most comfortable with Phoenix Home Remodeling.

I have to admit that this was the most stress-free, easy-going process I ever experienced. I was able to keep in contact with Ben even with a 3 hour time difference.

I was informed about the progress of my project by phone and was also sent photos. The final results of my remodel were above my expectations.

My place looks great! Thanks to Ben and his crew.”

Kelly G.

“They were outstanding start to finish. I got multiple quotes and their price was very fair. I immediately trusted them.

They communicate very well and did throughout the whole process.

They are detail-oriented which is important during a kitchen remodel. They got all our work done within the expected timeline.

Some companies in this space look to take advantage of homeowners but not Phoenix Home Remodeling. They are the best and we will use them again.”

Justin S.

“Remodeling with Phoenix Home Remodeling was AMAZING! We completely remodeled the second level of our home: master bathroom, guest bathroom all flooring on the second level including a dual staircase.

From the ease of scheduling the initial appointment to the final walk through each step of the way exceeded our expectations!!

Jeremy, Mark, Ben and Townsend were a pleasure to work with. Their dedication and attention to detail, scheduling of each part of the remodel and the quality of work completed was exactly as promised. Home remodeling projects can get off track with problems or issues and we were pleased that our whole remodel was right on track or completed earlier than expected.

We were always informed of any slight change of plan and communication through the whole process was outstanding.

Thank you, Jeremy, Mark, Ben and Townsend! We LOVE our “new” home! We highly recommend Phoenix Home Remodeling!!”

Mary T.

“Phoenix Home Remodeling recently completed the remodel of our guest and master bathrooms.

We are extremely pleased with the quality of their work, their attention to detail and the professionalism displayed by every person (plumbers, tile setters, counter installers, shower doors and glass team, etc.) who worked on our project.

Jeremy and Mark were great to work with and provided an exceptional level of customer service.

I would especially like to thank Townsend Saunders, (project manager) for providing outstanding communication, flexibility and completing the project on time and within budget as promised.

I highly recommend this company for any type of home remodeling projects.”

Paul D.

“Easy to work with this team. I’ve worked with many contractors over the years and I must say this is the first time I’ve ever really been impressed. They showed up daily on time, worked hard the whole time they were there, listened to what we wanted, did an awesome job, completed on time as promised, fairly priced and cleaned up their job site daily. Would definitely recommend and will use them again if needed.

Thanks to Jeremy for reaching out to my request, and thanks to Mark and Ben for helping us create our dream shower!!”

Dawn G.

“Remodelling is such a daunting concept…until you meet the guys at Phoenix Home Remodeling. From the initial conversation, we were made to feel that our vision didn’t seem too far fetched after all! We gave them a long wish list and they took the time to provide the quote for each item allowing us to prioritize. The quote left no room for big surprises.

They were always accessible which is very helpful to anxious homeowners! What was even more impressive was how neat they left the work area each day. One of the many indications they really care about each home they touch.

Thank you, Jeremy, Ben and Mark (in no particular order 😊) and to your crew for everything! We are so happy with the care you gave our home and for the many extras, you did just because.”

M.S. F.

“Mark and his team were easy to work with and their attention to detail was great. Our kitchen looks perfect just how we wanted it and we couldn’t be happier.

Thank you Phoenix Home Remodelers!!!”

Daniel O.

“If you are looking for an dependable, affordable, and quality-driven remodeling company for your home, you can’t go wrong with Phoenix Home Remodeling.

Jeremy, Ben, and Mark (and Garren and Aaron) pay special attention to all details and strive to make sure the customer is happy with the end product.

For almost seven weeks PHR  was in our home transforming our two old and dated bathrooms into modern and stylish bathrooms.

We couldn’t be happier with the results. Thanks, PHR!  We’ll use your services again!”

Joseph M.

Phoenix Home Remodeling recently remodeled our master shower! It was an amazing experience from the beginning to the completion of the project.
 
They informed us the whole process, showed up on time, communicated with us the progress every day, and the area was cleaned and organized when they left daily.
 
I can’t say enough wonderful things about the whole team.

 
A+++++! We love Phoenix Home Remodeling so much that we already recommended them to our friends and neighbors.

Lucy F.

“Phoenix Home Remodeling is a quality company both in service and in workmanship. What I valued most, however, was their willingness to work with me as an equal partner to help me reach the vision I had for creating a beautiful new master bathroom. The employees of this company are people of utmost integrity and I trusted their judgment as we worked together to create this new extraordinary space. I could not have chosen a better company and my expectations were reached and even exceeded. I am so grateful.”

Donna B.

“Jeremy, Ben & Mark did a wonderful job. Very professional, always showed up on time & kept me advised every step of the way. I will absolutely use them again.”

Tish D.

“Remodelling is such a daunting concept…until you meet the guys at Phoenix Home Remodeling. From the initial conversation, we were made to feel that our vision didn’t seem too far fetched after all! We gave them a long wish list and they took the time to provide the quote for each item allowing us to prioritize.

The quote left no room for big surprises. They were always accessible which is very helpful to anxious homeowners! What was even more impressive was how neat they left the work area each day. One of the many indications they really care about each home they touch. Thank you, Jeremy, Ben and Mark (in no particular order ) and to your crew for everything! We are so happy with the care you gave our home and for the many extras, you did just because.”

Maryola F.

“A big thank you to Mark, Ben and Jeremy with Phoenix Home Remodeling!! They did an AMAZING job with our SECOND remodel on our home! Our first remodel was our master and guest bathrooms and our complete flooring on our second level. This time they did a complete remodel on our family room wall/TV niche.

Once again their level of service, commitment, timely completion and perfection of work done was above and beyond. They make any remodel as easy as possible. They communicate each and every step and follow through with precision. Thank you again!!!!

We HIGHLY recommend Phoenix Home Remodeling!

Mary and Joel Terrill”

Joel T.

“Phoenix Home Remodeling far exceeded our expectations! We remodelled our master math and partial remodel of two other bathrooms. The process was so smooth and the entire team made something that can be very stressful into a project that was enjoyable.

I appreciated the collaboration and communication throughout the entire project from start to finish. Jeremy, Ben, and Mark are absolutely amazing and we will definitely work with them again on our next project! They by far are the best of the best.”

Amy S.

“I have worked with lots of contractors and these guys impressed me with their clear communication, how clean they keep the work areas and how much they care about their customers..highly recommend them.”

Ramon H.

My wife and I were nervous to hire a home remodelling company. We chose Phoenix home Remodeling because they talked about how organized they were. That was definitely true.

They let us know what was going on at every step. Our 2 bathroom remodels look amazing. My wife and are very happy. If you are looking for a home remodelling company in Phoenix you’ll like working with them.

rybendure1

“This was my first experience with a remodel. Phoenix Home Remodeling redid both of my bathrooms and they look amazing!!

Great attention to detail, reasonable prices, and they finished within the estimated timeframe.

Jeremy and Mark were so easy to reach with questions and they responded very quickly, usually within the hour.

I don’t think you could find a more organized remodeling company! Thank you!!”

Kimberly C.

“We have worked with Phoenix Home Remodeling on a few jobs recently and are really impressed by their renovation work.

I’ve seen their bathroom remodels, kitchen remodels and other interiors remodel work. Their attention to detail on this renos is fantastic.

I’ve never seen such organized contractors in Phoenix when it comes to their technology, scheduling, and processes.

If you need a good home to remodel contractor in Arizona, Phoenix Home Remodeling is amazing.”

Fernando D

“Phx Home Remodeling is great. You hear nightmares all the time about contractors that don’t follow through, do poor work, and can be very difficult with whom to work.

These guys were excellent on every front. They were always on time, very considerate, easy to work with when you run into issues, and outstanding quality.

It is so nice to find a group like this in a very hit or miss industry.”

Rhet A.

“Jeremy and the rest of the team were great to work within remodeling our bathroom.

Although small, it was a technically complex remodel with limited space.

They did an excellent job from start to finish, and we were updated every step of the way.”

Brian A.

“We had this company come out and give our kitchen a facelift (new sink, countertops and backsplash).

While we didn’t have a huge project we were very impressed with this company.

They were easy to communicate with and always on time. The workers who came into our home were polite. We worked with their designer, Jason and he was great.

Throughout the whole process, we always knew what was coming and what was expected of us. Looking forward to working with them in the future for our bathrooms.”

Charlie B.

Phoenix Home Remodeling recently remodeled my kitchen and master bath.

Jeremy, Ben, and Mark are incredibly professional! We chose designer cabinets which take a bit longer, and the results are incredible and very high quality!

Both the kitchen and master bath and many other projects they completed throughout my entire home are perfect and exactly how I dreamed they would turn out!

Several friends and family have been to my newly remodeled home and they can’t get over how amazing it looks! The quality of the work is beyond my expectations!

Phoenix Home Remodeling is a company I would definitely hire again; a truly top-notch company!

Dawn W.

“I don’t have a ton of experience with remodels (this was our first) but I can’t imagine the process being any smoother.

The Phoenix Home Remodeling team is a well-oiled machine. They kept our fairly substantial remodel (flooring, 3 bathrooms, Kitchen, Paint and more) on time and on budget.

Even after we added a large amount of scope to the project (decided to do all 3 bathrooms) they still finished the project within a week of their original estimate.

The quality was outstanding, but their communication was even better. I text Ben (PM) regularly through the process and they always kept me up to date which helped a ton.

As it is with most things, you get what you pay for, and hiring Phoenix Home remodeling is a decision I would make over and over. They might not be the cheapest option, but they are undoubtedly the best.

I hope this review is helpful for anyone looking to get their home remodeled. This is definitely the company to hire.”

Ben A.

“I can’t say enough wonderful things about Phoenix Home Remodeling! I love my new bathroom. The whole team is incredibly professional, and each person on it excels in their area of expertise.

Jeremy has established a wonderful system and provides so much valuable information and I love the software system he uses. I always felt well-informed, and my questions and requests were responded to quickly. Jason, the Designer, took my few ideas and came up with a design that was both beautiful and highly functional.

The guys who did the work – Ben, Mark, Garin and all of the others – worked so hard, their work was perfection, and before they left every day, the area was clean and organized.

I’ve heard of people so tired of having workers in their house and problems associated with remodels, but these guys were so great, professional and the whole process was so easy and went so fast! Thank you, Phoenix Home Remodeling!”

Valerie P.

“We recently remodeled our master bathroom with Phoenix Home Remodeling. After having at least six other companies come through and give us a bid, we never felt comfortable.
Then we met with Phoenix Home Remodeling.

They were upfront, honest, and able to answer our questions. We decided to move ahead with Phoenix Home Remodeling for the project.

Then the entire process was fantastic. We were able to diagram out every single thing we wanted, and they made it happen. We had good dialogue throughout.

Every one of their employees was very pleasant, on time every day, and worked with us around our schedule.

And the end result is beautiful. We are extremely pleased with our new bathroom.

Special shoutout to Lupe on the tile work. It is immaculate.”

Darren B.

“In the first stages of researching people to do a bathroom remodel, I reached out to friends & co-workers. I received ZERO recommendations from them, but a few “who not to work with” as well as hearing the story of how one of my co-workers had an open BBB complaint against the company they used. I’ve never done this size remodel before so I was already a little nervous, but hearing their stories stressed me out!

I went online to do some research and that included NextDoor and the Living Chandler Facebook group. Checked out past “remodel” posts and noted any companies that were recommended multiple times. Once I got a fair amount of companies, I started calling them for initial consultations. After that, I narrowed it down to 3 for in-home consultations and quotes.

All 3 quotes were in the same ballpark, which was good since I didn’t feel like anyone was trying to take advantage of me. I went with Phoenix Home Remodeling (PHR) because unlike some of the others, they didn’t try to push me in a specific design direction and didn’t try to force expensive options. Seriously, one company really tried to upsell me on everything, even when I would share concerns.

Jeremy, Ben, Mark, and Jason made me feel comfortable and, while working with them, reinforced that I made the correct decision by listening to my questions and concerns. They were able to take general ideas/concepts and make them a reality! Their subs also helped reinforce that I went with the right people. Lupe (tile), Roy (vanity), Cody (woodworking, misc), and everyone else was friendly, polite, asked me questions to make sure they got things right and did a wonderful job.

Any kind of remodelling can be overwhelming, and PHR was the perfect guide through the process and helping me keep my sanity. I’ve already recommended them and will continue to do so, and I look forward to using them again! (apologies for the novel, but I can’t say enough good things about PHR)”

Valerie C.

“We had a fantastic experience with Phoenix Home Remodeling on a recent project that included redoing our kitchen, powder room, and entire downstairs floor.

Ben, Mark, and Jeremy were very professional, responsive, and courteous.

We always knew exactly what each part would cost and had a great system for managing change orders.

They brought in excellent subcontractors for all the work and always made sure we were satisfied with what was completed.

We are already planning to use them again on our master bath remodel.”

Megan S

“Thank you so much for everything! This company is amazing! I was a nervous wreck when we bought our first “fixer-upper” home.

I had no idea where to start or what to do. Jeremy was one of the first contractors that reached out to me, out of many I contacted, calmed my nerves and walked me through every step! My house feels like a different home!

It’s beautiful, clean and everything is done to perfection!

I couldn’t imagine going with anyone else! Thank you Phoenix Home Remodeling!!”

Brittany B

Most people love their house after a renovation, but not so many can say they loved the process….I did!

This company holds itself to such a high standard of workmanship and communication, it exceeded all my expectations.
I am a perfectionist, but so are they.

They love their work. They explain processes, show up on time, guide you when needed, answer calls and concerns immediately.

The finished product is amazing.

At the end of the process we felt like family! What more can I say?

Donna W.

“I highly recommend PHR for your home remodeling needs! You start off the process with Jeremy, who walks you through the step by steps of how they operate and makes sure that PHR and you are compatible (making sure the job scope fits their abilities/size). It’s a very detailed approach and is very informative, regardless if you stick with them for the project or not.

Once we signed the contract to start work, we met with Jason, who is PHR’s interior designer, who helped us pick out materials and the layout of our office based on an image we had found on the internet. After that was settled, Mark and Ben came over for measurements and to discuss the game plan for the renovation.

We requested that the project be done before our new baby arrived and they nailed it!
Ben handled the project management side and Mark handled the various subcontractors and a bunch of work. Whenever I pointed out something that was flawed, Mark was sure to take care of whatever the concern was, no questions asked.

He was very meticulous in his work and it showed off in the end. Our office turned out fantastic and we are so happy that PHR was able to deliver on time and on budget. Jeremy comes back at the end to make sure everything went smoothly and sign off on the final delivery.

We plan on doing more renovations in the coming years and PHR will certainly be the first contractor we reach out to! Thanks guys!”

Devon M.

“I recently had Phoenix Home Remodeling complete renovations in both my master and guest bathrooms, kitchen, and entertainment wall in my home. I can’t tell you how happy I am with the results!!

The process they set in place and communication on a daily basis made the entire project so much easier than expected.

The use of BuilderTrend software helped to keep me on budget and communication between the team and myself seamless. The team of employees were amazing to work with; especially given this was my first time remodeling a home.

The work and amount of care for my home, lifestyle (we lived in the house during the construction), and quality of work was evident from day one until completion. I would highly recommend this company to anyone who is in need of a home project or upgrades.

I am pleased beyond measure with my newly updated home and cannot thank Phoenix Home Remodeling enough for their time, effort, and personalization they put into making this project well worth the investment. Thank you PHR!!”

Julie M.

“From the first contact to finish the experience was beyond my expectations! The communication, collaboration, and attention to detail was first class.

The bathroom tub removal & shower install was completed on time and at budget.

I can’t wait to start an even bigger project with Phoenix Home Remodeling.”

Elizabeth N.

“We couldn’t be happier with our bathroom remodel by Phoenix Home Remodeling.

They nailed my vision to a tee and made a process which is usually unorganized, stressful and unpleasant all around, into a breeze.

From start to finish they answered any questions that came up, gave us advice on finishes, showed up daily on time and was in constant communication with us about the project.

To top it all off, they finished our project early! Who doesn’t like that!

All in all a complete win with this company. Thank you Phoenix Home Remodeling!”

Lisa S.

“We had two bathrooms fully remodeled and they look great!

I was impressed with the communication. We were updated along the way and were always told when someone would be at our house.

If we needed a question answered, we always received a quick response. We plan to use Phoenix Home Remodeling for our kitchen as well.”

Leslie L.

“Phoenix Home Remodeling did a fantastic job for me. They did all my floors, 2 bathrooms and my kitchen in 5 weeks (one of which I was away on vacation) without going a dollar over the original budget.

Ben’s project management skills take all the work off of me. All I had to do was pick things out and he did the rest. Mark did a fantastic job with every detail. His workmanship is exceptional as is the work of their title team.

I couldn’t be happier with the results, the price and most of all the overall customer experience. We all know how hard it is to find trustworthy contractors in this area because there’s so much demand.

I’m glad I found PHR and I will be gladly referring them to anyone that asks. Thanks guys…”

Dave B.

“I had the wonderful experience of doing a 3 bathroom remodel, and many other add ons, with Phoenix Home Remodel in the fall of 2019.

The entire team was extremely professional, easy to communicate with, reasonably priced and fabulous to work with. From the initial meeting with Jeremy to the final walkthrough, they made the entire process easy and manageable.

Loved the app to track the whole process, loved when Mark was able to explain my vision to plumbers, glass, tile and the many other trades that we were working with. If you are ready to remodel, give them a call.”

Debbie S.

“We hired Phoenix Home Remodeling, after meeting with and receiving quotes from several other companies, to remodel our master bathroom.

We were so very impressed with the communication, support, and reliability we experienced, from our initial appointment through our entire remodel.

Every trade that came to our home to complete the project was equally professional.

We are so pleased with our new bathroom and appreciate that Ben, Mark, and Jeremy were always available to answer questions, respond to requests, and help us create our new space.”

Michele L.

“Phoenix Home Remodeling did all of the heavy liftings on a fix and flip project for me!

It’s was only my second project and these guys made it a nice and easy experience.

In the fix and flip world, or life in general, you hear horror stories about how contractors have been a nightmare….NOT THESE GUYS!!!

Super friendly, prompt, kept a clean and neat work site.

I’d use them again and def recommend to anyone that asks. I’ll def be calling them for the next one…”

Felipe M.

“As a commercial contractor, my experience with residential contractors have been less than stellar so I am generally jaded towards them.

These folks are not like residential contractors.

These guys have a good business model in my opinion and do excellent work!

On-time, reasonably priced, and quality installation.

Our first remodel and largest expense outside of the home or auto purchase and they made it as easy as possible for us.

If you can wait for this team to do your remodel you will not be sorry.”

Colin P.

“This was our first time working with Phoenix Home Remodeling to completely remodel two bathrooms.

From start to finish they were professional and the workmanship was outstanding.

They helped guide us through our first remodel venture.

We are planning to use them again as we have a few more projects to get done.”

Susan M.

“We loved Phoenix Home Remodeling.

They gave us a three-week estimate to completely redo our kitchen – from demo to rebuild. They had it completed in 1.5 weeks!

They truly care about their work and their customers and it showed throughout the entire process.”

Ben P

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