Financial Options
Since 1995 Sai Construction has helped local homeowners and commercial owners find solutions to build, remodel, and renovate. Headquartered in La Mirada, CA and serving Los Angeles and Orange County, we have firsthand knowledge of financial avenues for every client to utilize in the area. We work with local brokers and loan agents to find FREE , or low cost, financing options to help make your residential or commercial project more accessible and affordable.
Home Equity Line of Credit (HELOC)
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Low interest rates (often lower than personal loans).
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Pay only on what you use.
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Good for projects over $2ok.
FHA 203(k) Loans
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A government-backed mortgage that includes renovation costs.
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Low down payment (3.5%).
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Best for buying fixer-uppers or refinancing with renovation costs.
Energy-Efficient Home Improvement Loans (PACE Financing in CA)
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California’s PACE (Property Assessed Clean Energy) program allows homeowners to finance energy-saving improvements with no upfront cost.
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Repaid via property taxes.
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Great for solar, insulation, HVAC, etc.
Credit Union or Local Bank Personal Loans
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Often more flexible and have lower fees than big banks.
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Some offer loans with first 6–12 months interest-free.
SoCal Credit Unions' Options for Home Improvement
