Zero Out-of-Pocket Options Available

Your Dream Home Shouldn’t Wait

Urban Jax Homes offers flexible financing options so you can start your project now — with zero out-of-pocket costs and low monthly payments designed around your budget.

Check My Financing Options
Checking eligibility does not affect your credit score.
How It Works

Financing Made Simple

01

Step 1

Apply in Minutes

Complete a quick application — online or during your free consultation. Most decisions are returned within 24–48 hours.

02

Step 2

Get Approved

Urban Jax Homes works with multiple lending partners to maximize approval opportunities — including options for homeowners who have been declined elsewhere.

03

Step 3

Start Your Project

Once approved, you can begin immediately — zero money out of pocket. Construction starts. Monthly payments begin when the project is complete or at first draw, depending on your loan type.
Financing Options

What’s Available

Option 1

Home Improvement Loan

Unsecured personal loans for renovation projects. Fast approval, no collateral required, fixed monthly payments.
  • No home equity required
  • Available for amounts up to $100,000
  • Terms from 24 to 84 months
Option 2

Home Equity Line of Credit (HELOC)

Use the equity in your home to finance renovations. Typically lower interest rates and higher loan amounts.
  • Available for homeowners with existing equity
  • Ideal for larger renovations ($50,000+)
  • Draw as needed during construction
Option 3

Construction Loan (Custom Homes)

For ground-up custom home construction. Draw funds in phases as construction milestones are met.
  • Required for new construction
  • Converts to a mortgage upon project completion
  • Urban Jax Homes works directly with your lender
Option 4

Zero-Interest Promotional Financing

Subject to lender approval. Zero interest during promotional period for qualifying projects.
  • No interest if paid within promotional period
  • Available for renovation projects
  • Ask during your consultation
Who Qualifies

Can I Get Approved?

Urban Jax Homes works with financing partners who offer options across a wide range of credit profiles. You don’t need perfect credit to get started.
Checking eligibility does not affect your credit score.

We work with:

  • Homeowners with good credit (700+)
  • Homeowners with fair credit (600–699)
  • Self-employed borrowers
  • First-time renovation borrowers
Apply Now

Start Your Application

Step 1Project Information
Step 2Primary Applicant
Step 3 · OptionalCo-Applicant
Step 4ID Verification

Your application information is encrypted and secure. Urban Jax Homes uses bank-level security for all financial data. Your information will only be shared with our approved lending partners for the purpose of processing your financing application. See our Privacy Policy for complete details.

FAQ

Frequently Asked Questions

No. The initial eligibility check uses a soft credit inquiry and does not affect your credit score.

Most applicants receive a decision within 24–48 hours. Some options provide instant decisions.

Minimum credit scores vary by financing option. Urban Jax Homes works with lending partners that serve a wide range of credit profiles. Apply to see what you qualify for.

Yes — Urban Jax Homes works with construction lending specialists who offer construction-to-permanent loans. Ask about this during your custom home consultation.

Yes, for qualifying applicants. Certain loan products allow construction to begin with zero money due upfront. Ask our team for details during your consultation.

Ready to Get Started?

The home you want is closer than you think. Financing options make it possible to start immediately — with payments designed around your budget.
Schedule a Free Consultation & Financing Review
Our team will review both your project and financing options in the same conversation. Licensed CGC #062461 · Jacksonville & Northeast Florida.