Don’t put your dream home on hold. With Elusive Remodel, you can update, refresh, and reimagine your space today, while paying over time with ease.
RESOURCES
Frequently Asked Questions
Elusive Financing
If this is a government-approved program, why do I have to pay for it?
While financing is state-approved and locally authorized, the actual funds come from private companies—not taxpayer dollars. This makes it possible for homeowners to access financing without government subsidies.
Does this program use taxpayer money?
No. Projects are funded with private capital. Any administrative costs are covered by small program fees, which are included in financing. Local tax offices that help process payments are reimbursed for their costs. Cities and counties don’t bear extra expenses.
Is participation voluntary?
Yes. This financing option is completely voluntary. If you don’t choose to participate, nothing changes with your property taxes.
What about rebates, credits, and incentives?
We encourage you to pursue available federal tax credits, utility rebates, or other incentives. These are handled separately from your financing.
If I live in Florida, will my financed payment qualify for the early property tax discount?
No. Unlike property taxes, financing installments are not reduced with early payment.
Applying
How do I know if financing is available in my area?
Check availability directly on our website by entering your address. If eligible, you can apply right away.
What if I have a question while applying?
Our Customer Care team is available to guide you at every step.
What happens after I submit my application?
Your application will be reviewed, and you’ll be notified of a decision—often the same day if submitted during business hours.
Is there an application fee?
No. Applications are free, and you’re under no obligation to move forward until you choose to.
Why do you need my social security number?
A credit bureau report is requested to confirm eligibility, but FICO scores are not used to determine approval.
What factors could prevent me from qualifying?
Approval may be more difficult if:
- Mortgage payments are not current
- Recent bankruptcy has occurred
- Property taxes are delinquent or frequently late
- There are liens or judgments on the property
- Foreclosure was filed in the last 3 years
Why do I need to verify my income?
Income verification is required to ensure that repayment can be managed comfortably and responsibly.
Can I use my own contractor?
Yes, but your contractor must be registered in our network. If you haven’t selected one, you can choose from our list of approved professionals.
How do contractors get paid?
Contractors are paid directly once you confirm the project has been completed to your satisfaction.
Hardship Assistance
What if I’m having trouble making payments?
If you experience a temporary financial hardship—such as job loss, illness, or a natural disaster—we may be able to help. Temporary hardship assistance is available to ensure you stay on track until you’re back on your feet.
