Financing Your Project With The Level Up Loan

Get practical financial assistance for your remodel

Save up while sprucing up your home

To help you shoulder the financial burden of a remodeling project, Ten Key Remodels has developed a helpful and reliable solution. Drawing on our extensive experience, we’ve found the most effective strategy for financially structuring large-scale renovations. By partnering with a local bank, we offer a one-of-a-kind financing resource exclusive to our clients. This system helps you budget for your project and ensures you get your money’s worth.

Take a shortcut to quality remodeling

Explore the possibilities of the Level Up Loan

Level Up Loan Process: First, you’ll close on a new construction loan to refinance your current mortgage loan, and then you’ll draw on that construction loan to fund your project. After the project is complete, the balance of the construction loan automatically converts to a new permanent home loan, like a typical 15 or 30-year home loan. Although they’re technically two different loans, you’ll only pay closing costs once. Also, the initial appraisal for your Level Up Loan is based on the expected future value of your home, post-renovation, providing you much more capital than a HELOC or other option.

See how the loan works in practice

Get a deeper insight into this financing solution

Ten Key Remodels has used its expertise and connections to partner with a leading local bank and provide you with an optimal financing solution for your project, the “Level Up Loan.” We believe, and our client feedback supports, that this way of financing projects provides the absolute most value at the least cost, all while creating an opportunity to fund your project with no cash out of pocket.

Out of pocket: $0

If you convert your construction loan to a 30-year home loan, it’s like you’re financing your project with us over 30 years at current market rates with no money down.

With how much your home will appreciate over time and the often-overlooked value of loving your home every day, it’s hard to imagine a reason not to embark on this journey with us!

Here’s the math:
Current Home Value $350,000
Current Home Loan $200,000
Current Equity in Home $150,000
Project Cost $75,000
Appraisal of AFTER PROJECT Home $440,000
Loan potential $440,000 x 80% = $352,000
Initial Construction Loan Draw $204,000

(To pay off current loan, plus estimated closing costs)

Project Costs drawn on construction loan over time $76,000

(Note the extra $1,000 in this example; assume we found something bad in the wall that needed to be fixed)

Construction Loan Converted to New 30-year Fixed $204k+$76k = $280,000


Value of Renovated Home $440,000
New Home Loan $280,000
New Equity $160,000
We’re the most sought after home remodeling contractors

Here’s what our clients say about us

“We hired Ten Key to remodel our master bathroom. I indicated at the start that we expected the outcome to be a Wow! The whole process was a Wow. Jessica’s design work was amazing! Marissa and Justin made sure the work was done to perfection. There weren’t any surprises. We were so pleased with the result we’ve asked Ten Key to remodel our kitchen and second bath while also creating a butler’s pantry. Thanks to other great reviews we chose this team and have no regrets. Totally satisfied!”

- Rich E.

“From the very beginning we knew we had found our “person” to implement our dream bathroom. Jessica & Kimberly guided us through the design process beautifully! Marissa was our contact person & kept us well informed & truly cared that we were happy through the entire process. We felt like we were truly heard through the entire process & couldn’t be happier with the end result. We felt like we developed a life-long friendship in the process.”

- Paula L.

“I was pleasantly surprised upon meeting the consultation team. They were prompt, professional and made me feel at ease.
Although we decided to go a different route (we are working on a flip versus a remodel), they offered us some very solid and honest advice that we appreciate very much. Thanks again!”

- Serena B.

“I have worked with Ten Key for several years now on multiple projects including a kitchen, bath and exterior renovation. I have thoroughly enjoyed them. We have completed several projects in the Edmond area. I would highly recommend them for their transparency, technical expertise and quality.”

- Sabra T.

“The entire team at Ten Key was incredibly responsive and diligent in their work. Through each step, someone from the management team was communicating with us about what was happening with our project and what the timeline would be moving forward. We knew we were in good hands throughout the whole process!”

- Chris E.

“Ten Key Remodels did excellent work on our house. We hired them to replace nearly 2000 square feet of flooring, remove a pony wall and repair multiple sections of drywall. When a hiccup occurred in the project, they handled it swiftly, professionally and completely. They were communicative and responsive. We really look forward to working with them again on future projects.”

- Samantha W.

“I hired Ten Key Remodels for two projects during the holiday season and during COVID. They worked around my holiday schedule and wore masks in my home. My little bathroom was transformed. They did an excellent job!”

- Susan R.

“This was a complete kitchen remodel. We knew what we did not want - the old kitchen! - but we had no idea how even to begin to know what we did want. Ten Key was awesome. They made us feel completely comfortable as they led us through every step of this project. They had many great ideas to choose from for the cabinet design and helped us in deciding about flooring, granite, backsplash, colors, and so on anytime we asked for it.”

- Susan L.

“We had a great experience using Ten Key for our addition. We expanded our dining room out into the backyard, adding about 100 sq ft. It needed new concrete slab, walls and roofline removed, new walls, roof, floor, and paint.”

- Josh D.

“This company is the one to choose. Personal, honest, good communicators. They are full-service - plumbers, electricians, carpentry, tile, they do it all, which eliminates the need to find other contractors in case a problem is discovered during a remodel. The owner keeps a close eye on everything being done. She runs it like a top-shelf business. Very professional foundation, tile, and finishing work.”

- Susan R.

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