Remodeling

Remodeling Calculator

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Check today's rates
  • Payments quoted do not include taxes & insurance, so actual payments may be higher.
  • Subject to credit approval.
  • APR (Annual Percentage Rate) is based on loan amount and interest rate.
  • Rates for owner occupied homes only.
  • Ask us about additional available loan programs.

The benefits of working with WaFd Bank

We keep your loan and don't sell it to Wall Street or Fannie Mae.

Our experts are standing by to help you with every step.

We are not paid on commission, so your needs come first.

Remodeling Roadmap

  • Set Objectives
    Meet with your architect or builder to plan your dream home.
  • Project Planning
    Set your budget, determine the scope of work, and establish a timeline for completion.
  • DIY or Contractor?
    Doing it yourself or working with a builder? We can work with you either way. Our custom construction experts at your local WaFd Bank branch will walk you through the process of completing your project. 
  • Begin Construction
    Our custom construction experts work with you to manage payouts to your builder each month as construction progresses from beginning to end. 

Remodeling Roadmap

  • Set Objectives
    Meet with your architect or builder to remodel your home.
  • Project Planning
    Set your budget, determine the scope of work, and establish a timeline for completion.
  • DIY or Contractor?
    Doing it yourself or working with a builder? We can work with you either way. Our custom construction experts at your local WaFd Bank branch will walk you through the process of completing your project. 
  • Begin Construction
    Our custom construction experts work with you to manage payouts to your builder each month as construction progresses from beginning to end. 

Frequently asked questions

What is an all-in-one construction remodeling loan?
WaFd Bank’s All-in-One Construction Remodeling Loan is a home loan based on the estimated value of your home after the remodel. To determine that value up-front, we order an appraisal based on your plans for improvements. The entire project is underwritten at one time and you can lock in a permanent, fixed interest rate before you even start the project. Please note that rates can change daily. Subject to a lock-in deposit.
Which remodeling projects have the most cost recouped at resale?
Attick Insulation (fiberglass)
Job Cost $1,343
Resale Value $1,446
Cost Recouped 107.7%
 
Entry Door Replacement (steel)
Job Cost $1,413
Resale Value $1,282
Cost Recouped 90.7%
 
Manufactured Stone Veneer
Job Cost $7,851
Resale Value $7,019
Cost Recouped 89.4%
 
Minor Kitchen Remodel
Job Cost $20,830
Resale Value $16,699
Cost Recouped 80.2%
 
Garage Door Replacement
Job Cost $1,749
Resale Value $1,345
Cost Recouped 76.9%
http://www.remodeling.hw.net/cost-vs-value/2017/
Which remodeling projects have the least cost recouped at resale?
Bathroom Addition
Job Cost $43,232
Resale Value $23,283
Cost Recouped 53.9%
 
Backup Power Generator
Job Cost $12,860
Resale Value $6,940
Cost Recouped 54.0%
 
Backyard Patio
Job Cost $51,985
Resale Value $28,546
Cost Recouped 54.9%
 
Bathroom Remodel
Job Cost $18,546
Resale Value $12,024
Cost Recouped 64.8%
 
Master Suite Addition
Job Cost $119,533
Resale Value $77,506
Cost Recouped 64.8%
http://www.remodeling.hw.net/cost-vs-value/2017/
Let's get started
Connect with your local Loan Officer directly for more information.