18 Months Same as Cash,
No Money Down
One financing offer, explained in plain English: start your kitchen or bathroom remodel now, put nothing down, and pay the balance inside 18 months with no interest on it. Through a third-party lender, on approved credit.
What Same as Cash Actually Means
Most homeowners who call us are not waiting on the design. They are waiting on the timing. Same-as-cash financing removes that: the project starts now, nothing is due at the start, and you have 18 months to pay the balance without interest accruing on it. Clear the balance inside the window and the financing costs you nothing.
- No money down, so the build is not gated on a deposit
- Pay the balance inside 18 months and no interest is charged on it
- Applications are handled during your consultation, not weeks later
- Financing is provided by a third-party lender and subject to credit approval
From Application to First Day of Work
The whole thing happens inside the consultation you were already going to have. Nothing is mailed, and nothing waits weeks.
Apply at the consultation
Your estimator prices the project from real measurements, then handles the financing application with you on the spot.
The lender decides quickly
Approval comes from the third-party lender, typically fast enough that you know where you stand before the visit ends.
The build starts, nothing down
The project schedules like any other CMK job. The difference is what leaves your bank account on day one: nothing.
It Can Pair With the Project Offers
Financing is not an either-or against CMK's project offers. In most cases it pairs with the single offer your project qualifies for, like the current kitchen or bathroom credits, and your estimator confirms the pairing in writing before you sign. See everything CMK is running right now on the current offers page.
- One project offer per project, confirmed by your estimator
- Financing can usually be added on top of that offer
- Offers cannot be combined with other promotions or signed agreements
- Everything lands in the written agreement, never as a verbal promise
While CMK may not be the lowest bid you receive, I can assure you they will do the best work.
Kevin Korth · Owner's Suite Bathroom Remodel
The Terms, Without the Fog
What governs the plan, in one place. The lender's agreement is the controlling document, and you see it before you sign.
The plan
- 18 months same as cash with no money down, on qualifying CMK remodeling projects.
- Same-as-cash means no interest is charged on a balance cleared inside the 18-month window.
- If a balance remains after the window, interest applies under the lender's terms, which can include interest calculated from the start of the plan.
The lender
- Financing is provided by a third-party lender, not by CMK Construction.
- All plans are subject to credit approval, and minimum amounts may apply.
- The lender's rates, terms, and conditions govern the plan; your estimator reviews the current ones with you.
How it applies
- New CMK customers only, on properties inside the CMK service area, Tampa Bay through Sarasota.
- Financing can usually pair with one project offer; offers never combine with other promotions or signed agreements.
- The consultation, measurements, and written estimate carry no cost and no obligation.
Questions Homeowners Ask About Financing
It means you can start the project with no money down and pay the balance within 18 months without paying interest on it. Financing is provided by a third-party lender and is subject to credit approval, and the lender's terms govern the plan. Your estimator can walk through the current terms and monthly figures during your consultation.
Yes. Under the current offer the project starts with nothing due up front, so the build is not gated on a deposit. The plan is provided by a third-party lender and subject to credit approval, and the lender's agreement governs the payment schedule from there. Your estimator shows you that schedule in writing before you sign anything.
CMK arranges financing through a third-party lending partner rather than lending money itself. Approval, rates, and repayment terms come from the lender, and the lender's agreement is the document that governs the plan. Your estimator brings the current lender options to your free consultation and walks through them with you.
Same-as-cash plans are deferred-interest plans. Clear the balance inside the 18-month window and no interest is charged on it. If a balance remains after the window, the lender applies interest under the terms of your agreement, which can include interest calculated from the start of the plan. Read the lender agreement carefully and have your estimator walk through it line by line before you sign.
Often, yes. Financing can usually be paired with a single project offer, though offers cannot be combined with other promotions or with a previously signed agreement, and they apply to new customers only. Your estimator confirms exactly what pairs with your project, in writing, before you sign.
At your free in-home consultation. Your estimator measures the project, prices it from real measurements, and handles the financing application with you on the spot rather than weeks later. Decisions typically come back quickly, and there is no cost and no obligation if you decide not to move forward. Call (813) 379-2116 to schedule.
Ready to Start Your Project?
Schedule a free in-home consultation. No obligation, no high-pressure pitch.
Free in-home estimate. No obligation.