It depends on how you choose to pay:

• Pay-over-time partners: your first monthly payment usually begins about 30 days after your project is funded, billed directly by the provider.
• Card or installment payments: charged to your card on your normal statement cycle, or on the schedule you set up at checkout.
• Credit card or personal loan: follows your existing lender’s billing cycle.
• Tax-assessment financing: payments appear on your property tax bill. Depending on your county’s tax cycle, it may take up to 17 months before your first payment appears.

Only if you choose tax-assessment financing. In that case, your payment is added as a separate line item on your property tax bill, so your total due increases.

With every other option Pay-over-time, Card or Installments, Credit card, or Personal Loan your property taxes are not affected. You simply make a separate payment to the provider.

This applies only to tax-assessment financing. Your mortgage servicer will adjust your monthly escrow if there isn’t enough to cover the added amount. We recommend notifying your lender once your financing is approved.

• Payments follow your property tax schedule (annual, semi-annual, or monthly via escrow).
• The assessment appears as a line item on your tax bill for the agreed term (up to 30 years).

• You can pay down your balance or pay it off in full whenever you’d like. Paying early can lower your total cost and shorten your term. There’s no prepayment penalty, though some processing details may apply.

If you face temporary financial hardship (job loss, illness, disaster), Elusive Remodel can help with hardship assistance to keep you on track until you recover.

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.

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.

Yes. This financing option is completely voluntary. If you don’t choose to participate, nothing changes with your property taxes.

We encourage you to pursue available federal tax credits, utility rebates, or other incentives. These are handled separately from your financing.

No. Unlike property taxes, financing installments are not reduced with early payment.

You can check a form on our website and by entering a few details. If you’re eligible, you can start your application right away.

Our Customer Care team is available to guide you at every step.

Your application will be reviewed, and you’ll be notified of a decision—often the same day if submitted during business hours.

No. Applications are free, and you’re under no obligation to move forward until you choose to.

A credit bureau report is requested to confirm eligibility, but FICO scores are not used to determine approval.

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

Income verification is required to ensure that repayment can be managed comfortably and responsibly.

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.

Contractors are paid directly once you confirm the project has been completed to your satisfaction.

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.