HFS Home Improvement Financing
Flexible Financing for Your East Bay Remodel
Planning a kitchen remodel, bathroom renovation, ADU, addition or larger home improvement project? Bay Harbor helps East Bay homeowners plan the project first, then explore third-party financing options through HFS Financial.
Plan the project first
A Clear Path from Ideas to Construction
Bay Harbor Remodeling and Construction works with homeowners throughout Walnut Creek, Contra Costa County and the East Bay. Our design-build team helps define the scope, design, permitting and construction plan before financing becomes part of the conversation.
Whether you are considering kitchen remodel financing in Walnut Creek, bathroom remodel financing, or ADU financing in the East Bay, your first step is understanding the project itself.
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Walkthrough
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Design & Bid
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Permits
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Build & Handoff
Financing Partner
Explore Financing Through HFS
HFS Financial offers qualified homeowners a way to explore financing for eligible home improvement projects. Their information can be reviewed alongside the scope and construction plan prepared with Bay Harbor.
Financing is provided by a third-party financing provider and is subject to its own terms, eligibility requirements and approval process. Bay Harbor Remodeling and Construction (CSLB Lic. #1148311) is a licensed general contractor, not a lender, and does not make financing approval decisions.
What we build
Remodeling Projects We Help Homeowners Plan
One licensed home remodeling contractor in Walnut Creek can coordinate design, permitting and construction across a wide range of residential projects.
Kitchen Remodeling
Layouts, cabinetry and durable finishes chosen around how your family actually cooks and gathers.
Learn moreBathroom Remodeling
Spa-level comfort with practical storage and waterproofing detailed to hold up to daily use.
Learn moreLiving Space Design
Open-concept conversions and whole-room redesigns that make everyday rooms feel intentional again.
Learn moreHome Additions
Added square footage that matches your home's existing architecture, inside and out.
Learn moreADUs & Garage Conversions
Detached units, JADUs and garage conversions for rental income, family or long-term value.
Learn moreFull-Service Design & Build
Design and construction under a single point of contact, with in-house permitting.
Learn moreCommon questions
Home Remodeling Financing FAQs
Can I finance a home remodeling project in Walnut Creek?
Qualified homeowners may explore third-party financing options for eligible remodeling projects in Walnut Creek. Approval, terms and eligibility are determined by the financing provider.
Can financing be used for a kitchen or bathroom remodel?
Financing options may be available for kitchen and bathroom remodeling, depending on the homeowner, the project and the financing provider's eligibility requirements.
Can I finance an ADU or home addition?
Larger renovation projects, including ADUs and home additions, may also be considered depending on financing eligibility and the provider's approval process.
How do I start planning my remodel?
Start with a consultation or free on-site walkthrough with Bay Harbor to discuss your project scope, budget, design priorities and construction needs.
Does Bay Harbor handle design, permits and construction?
Yes. Bay Harbor offers a design-build approach that brings design, permitting and construction together under one licensed contractor, giving homeowners one accountable team throughout the project.
Ready to Plan Your Remodel?
Tell us what you're planning and we'll help you understand the scope, design, permitting and construction process before you move forward.