Strategic Capital for Your Real Estate Investment
Comprehensive funding strategies for Custom Homes, ADUs, and Major Renovations in the Puget Sound.
Realizing a vision requires more than just a builder; it requires a capital strategy. Whether you are leveraging a HELOC for a kitchen remodel or securing a Construction-to-Permanent loan for a Detached ADU (DADU), NBE LLC provides the bank-ready documentation and high-fidelity estimates lenders require to approve funding quickly.
No Credit Impact to Check Rates
Funding in 1-3 Days Available
Up to $250,000 in Financing
Financing Large-Scale Projects (ADUs & Additions)
For projects exceeding $100,000, such as backyard cottages or second-story additions, traditional personal loans are often insufficient. We guide you toward equity-based solutions that leverage the Future Value of your home.
Home Equity Line of Credit (HELOC)
Best For:
Clients with existing equity
Benefit:
Lower interest rates (secured by your home) and flexible "interest-only" payments during construction.
We recommend checking rates with trusted local lenders like BECU or Salal Credit Union.
Popular Choice
Renovation & Construction Loans
Best For:
ADUs and major builds (especially for recent homebuyers)
Benefit:
Lends based on the "After-Renovation Value" (ARV), significantly increasing your borrowing power.
We are experienced with draw schedules and bank inspections required by these loans.
High Value
FHA 203k & HomeStyle
Best For:
Fixer-upper purchases
Benefit:
Bundles your mortgage and renovation costs into a single loan. NBE is fully qualified to execute these federally backed projects.
Federally backed programs with competitive rates and terms.
Government Backed
Speed & Flexibility
Flexible Monthly Options & Gap Funding
For focused projects like bathroom remodels, or to cover immediate deposits while waiting for a larger loan to close, we partner with Hearth to offer speed and liquidity.
Speed
Funds in as little as 1–3 business days.
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No Risk
Pre-qualifying performs a "Soft Pull" that does not affect your credit score.
Up to $250,000
Flexible financing options for projects of all sizes.
Which Option is Right for You?
Compare our financing solutions to find the perfect fit for your project timeline and budget.
Feature
Hearth (Speed)
HELOC (Equity)
Construction Loan (Value)
Best For
Kitchens, Baths, Immediate Start
Medium Remodels, Cash Flow Management
ADUs, Custom Homes, Low Equity
Loan Limit
Up to $250,000
$500,000+ (Depends on Equity)
Based on Future Home Value
Funding Time
1–3 Days
30–45 Days
45–60 Days
Collateral
None (Unsecured)
Your Home (Secured)
Your Home (Secured)
Ideal Use
"I want to start next week."
"I have equity and want a lower rate."
"I am building a major asset."
Frequently Asked Questions
Can I finance a Detached ADU (DADU) in Seattle?
- Yes. Because DADUs in Seattle and Bellevue can cost between $250,000 and $400,000, we recommend Construction-to-Permanent loans or Renovation Loans. These allow you to borrow against the future value of the property, often covering 100% of the construction cost.
Does NBE work with local credit unions like BECU or Salal?
- Absolutely. We are a preferred contractor for many local lending institutions. We understand their specific paperwork, "Draw Schedules," and lien waiver requirements, ensuring your project moves smoothly.
What is a "Soft Pull" credit check?
- When you check your rates with our partner Hearth, it is a "soft inquiry." This means you can see your real monthly payment options instantly without hurting your credit score.
Do you handle FHA 203k or HomeStyle Renovation loans?
- Yes. These loans require a licensed general contractor to manage the budget and schedule. NBE LLC is fully compliant and experienced in navigating these federally backed programs.
Ready to Fund Your Vision?
Let NBE LLC help you navigate the financing landscape. From initial estimates to final documentation, we provide the bank-ready materials lenders require.
