Your dream home should not wait.
Many Charlotte homeowners put off a bathroom remodel, flooring upgrade, or kitchen refresh not because they do not want it — but because they assume they need to save the full amount before starting. Financing changes that equation.
CLT Floors partners with RenoFi and First Citizens Bank to offer qualified homeowners flexible financing options designed specifically for home renovation projects. Whether you are planning a $5,000 flooring installation or a $30,000 full bathroom transformation, we can connect you with the right financing for your project and your situation.
Our financing partners
RenoFi
RenoFi offers renovation-specific loans that work differently from traditional home equity products. Instead of basing the loan amount on what your home is worth today, RenoFi loans are based on the after-renovation value — what your home will be worth once the project is complete.
This matters because home improvements increase your home's value. A Charlotte homeowner whose home is currently worth $380,000 may find that a bathroom remodel and flooring upgrade brings that value to $420,000 or more. A RenoFi loan factors in that future value — which often means access to significantly more funding than a standard home equity line would allow.
- Loan amounts based on your home's after-renovation value
- Competitive fixed interest rates
- Terms up to 20 years
- No requirement to refinance your existing mortgage
- Available with as little as 10% current equity
First Citizens Bank
First Citizens Bank is a locally rooted Charlotte institution with a long history of serving North Carolina homeowners. Their home improvement products offer straightforward lending with local service — no navigating a national call center.
- Charlotte-based bank with deep North Carolina roots
- Home improvement loans and HELOCs available
- Competitive rates for qualified borrowers
- In-person and online application options
- Trusted North Carolina institution since 1898
How it works with CLT Floors
Step 1 — Get your free estimate.
We come to your home, assess the project, and provide a detailed written estimate. This is the number you bring to your lender — specific, itemized, and reliable.
Step 2 — We connect you with the right partner.
Based on your project scope and situation, we point you toward RenoFi, First Citizens Bank, or both. You apply directly with the lender — CLT Floors is not a lender and does not handle loan funds.
Step 3 — Get approved and lock in your start date.
Once financing is confirmed, we schedule your project. Most CLT Floors projects begin within one week of estimate approval.
Step 4 — Remodel now, pay over time.
Your project is completed on schedule. You pay CLT Floors per the milestone-based payment schedule in your contract, using your approved financing.
Frequently asked questions about financing
Do I need to own my home to qualify?
Yes. RenoFi and First Citizens Bank home improvement products are available to homeowners. Renters are not eligible for these specific products.
Can I finance a flooring project — not just a full remodel?
Yes. There is no minimum project size requirement for financing conversations. Whether you are financing a $6,000 hardwood floor installation or a $25,000 bathroom remodel, we can connect you with the right option.
How much can I borrow?
Loan amounts depend on your lender, financial profile, and home equity. RenoFi loans in particular can allow access to higher amounts than traditional equity products because they factor in after-renovation value. Your detailed CLT Floors estimate gives you the exact project cost to bring to your lender.
Does applying affect my credit score?
Pre-qualification at many lenders uses a soft credit pull that does not affect your score. A formal application typically uses a hard pull, which can have a small temporary effect.
What if I want to pay cash or check?
Absolutely — financing is always optional. CLT Floors accepts cash, check, and credit card. Many clients pay out of pocket and have no interest in financing. We mention it because many others do not realize it is available.
How long does approval take?
RenoFi applications typically process within a few business days to a couple of weeks. First Citizens Bank timelines vary by product. We recommend starting financing conversations early in your planning process.
Can I finance just part of the project?
Yes. Some homeowners finance a portion of the project and pay the rest from savings. This is entirely up to you and your lender.
Is financing right for your project?
Financing makes the most sense when:
- You want to do the work now rather than waiting 12–18 months to save
- Your project will meaningfully increase your home's value and you want to leverage future equity today
- You are preparing to sell and want to recoup the remodeling investment at closing
- You have strong equity in your Charlotte home and want to put it to work
We are not financial advisors. We recommend speaking directly with your lender about what makes sense for your specific situation.
Start with a free estimate
The first step to any financing conversation is knowing exactly what your project will cost. CLT Floors provides free in-home estimates — the specific, written number your lender needs.
Call (704) 931-3493 or send us your project details.
CLT Floors serves Charlotte, Matthews, Ballantyne, Myers Park, SouthPark, Huntersville, Mooresville, Mint Hill, Pineville, and surrounding communities.
CLT Floors is not a lender. Financing is provided by third-party lenders RenoFi and First Citizens Bank. Loan approval, terms, and availability are subject to each lender's qualification requirements. Contact the lender directly for details.
Licensed and insured. Serving the greater Charlotte, NC area since 2019.