Financing Guide
Yes, financing is available through a third-party lending partner. Your estimator can walk you through options once your written proposal defines the scope you'd be financing.
Below we cover how financing fits our process, what to ask any lender, and how financing the full scope compares with phasing your project.
Want a rough idea first? Use our Instant Quote to get a ballpark in about 30 seconds. Your firm price still comes from the on-site estimate.
How It Fits Our Process
You should know exactly what you're financing before you finance it.
Financing only makes sense once you know what you're paying for. That's why it comes after the written proposal in our process, not before. You book a free 15-minute phone consult, your estimator confirms the project is a fit, and then visits for an on-site estimate. The written proposal that follows defines the full scope, and that scope is what you'd finance.
From there, your estimator can walk you through financing options with our third-party lending partner. The lender sets its own terms and makes its own decisions, so ask your questions directly and read the paperwork closely. Whether you're planning an outdoor kitchen in Eagle or new landscaping and sod in Nampa, the process is the same.
Financing isn't the only way to fit a project to your plans. Some homeowners build in stages instead, starting with drainage, grading and underground work and adding hardscape and landscaping later. Our guide to phasing outdoor projects explains how that works, and the comparison below lays out both paths side by side.
Key Takeaway
Financing is available through a third-party lending partner. Your estimator can walk you through options once your written proposal defines the scope.
Questions to Ask Any Lender
01
Ask how the loan is structured, what the total cost of borrowing comes to over the life of the loan, and whether any fees apply at signing. Compare that total against your proposal so you see the full picture, not just the payment.
02
Ask whether you can pay the loan off early and whether doing so carries a penalty or fee. If you expect a bonus, a home sale or other funds down the road, flexibility here matters.
03
Ask how and when the lender releases funds, and how that lines up with your deposit and the stages of construction. Your estimator can explain where the deposit fits and how the project moves from drainage and grading through finish.
04
Make sure the amount you apply for matches the full scope in your written proposal, including drainage, underground utilities, permits and finish work. Adding items later can complicate things. See how to get an estimate for what goes into a proposal.
05
If you plan to add a phase later, ask whether you'd finance each phase separately or plan for it now. Building in stages works when drainage, grading and underground work go first, so settle the order before you borrow.
06
The lender answers questions about the loan itself. Your estimator answers questions about scope, sequence and scheduling. Keeping the two conversations separate means you always know who is responsible for what.
Honest Comparison
Both are reasonable paths. Here's an honest look at how they differ, whether you're planning a backyard renovation in Meridian or a smaller first step.
| Aspect | Financing the full scope | Phasing the project |
|---|---|---|
| Mobilization | Crews mobilize once and work through the full sequence | Each phase brings crews back, which adds remobilization to the scope |
| Finished yard | Everything is completed in one build | The yard comes together in stages |
| Upfront commitment | You commit to the full scope through the lender | You commit to one phase at a time |
| Sequencing | Drainage through finish planned and built together | Drainage, grading and underground go first so later phases don't disturb them |
| Design changes | Decisions are made up front for the whole yard | You can adjust later phases as your plans change |
| Borrowing cost | Loan terms and borrowing cost are set by the lender | Borrowing cost applies only to phases you choose to finance |
Who This Is For
Homeowners who want the whole yard done in one build, such as a new-build lot that needs grading, irrigation, hardscape and sod together. Financing can make the full scope workable while avoiding repeated remobilization and living with an unfinished yard between stages.
Homeowners who prefer to pay as they go or whose plans may change. Start with drainage, grading and underground work, then add a patio, outdoor kitchen or putting green in a later phase. Your estimator can lay out a phased plan so each stage builds on the last.
Our Process
Use our online calendar to book a free 15-minute phone consult. Mention that you're interested in financing so your estimator can keep it in mind from the start.
Your estimator confirms the project is outdoor work in our Ada, Canyon or Gem county service area. If it's a fit, they visit the site to check grade, drainage, soil, access and utilities.
Your written proposal defines the full scope in sequence, from drainage and grading through landscaping and finish. This is the scope you'd finance, or split into phases.
Your estimator can walk you through options with our third-party lending partner. Ask the lender about terms, prepayment and how funds line up with your project before you decide.
When you're ready, a deposit gets you on the schedule. Spring and summer book up fast, and your estimator reviews timing once the scope is defined.
Free Planning Tool
Print it or keep it on your phone and bring it to your consult and your proposal review.
Loan terms and approval decisions come from the lender, not from Altavera.
Keep Planning
Financing ties closely to cost, estimates and phasing. These pages can help you plan the rest of your project.
Altavera serves Boise, Meridian, Eagle, Star, Kuna, Nampa, Caldwell, Middleton, Garden City, Emmett and nearby communities in Ada, Canyon and Gem counties.
FAQ
Yes. Financing is available through a third-party lending partner. Your estimator can walk you through options after your on-site estimate and written proposal, so you know exactly what scope you're financing. The lender sets its own terms and makes its own approval decisions.
Yes. Financing is available for projects across our service area, including Meridian, Eagle, Boise, Nampa and nearby cities in Ada, Canyon and Gem counties. Start with a free 15-minute phone consult, and if the project is a fit, your estimator can walk you through options once your written proposal is ready.
We don't set or publish rates or terms, because they come from our third-party lending partner and depend on your application. Your estimator can walk you through options. Ask the lender about the total cost of borrowing, prepayment and how funds are released before you decide.
It depends on how you want to pay and whether you want the full yard in one build. Financing the full scope means one build and one mobilization. Phasing spreads the work out but adds remobilization. If you phase, drainage, grading and underground work go first so later phases don't disturb them.
Financing can apply to the full scope in your written proposal, which for a new-build lot typically starts with drainage and grading, then irrigation and utilities. Lots graded by the home builder often need finish grading before anything else goes in. Your estimator can walk you through options once that scope is defined.
No. It usually makes more sense to look at financing after you have a written proposal, because that's when the full scope is clear. Start with a free 15-minute phone consult. If it's a fit, your estimator visits the site, prepares the proposal, and can then walk you through financing options.
Start Your Project
Book a free 15-minute phone consult to talk through your scope. If it's a fit, your estimator can walk you through financing options alongside your written proposal.
Prefer to talk? Call 208-314-9967 or book a free phone consult.
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We elevate outdoor spaces with professional planning, expert execution, and quality craftsmanship — because your outdoor space is an extension of your home, not an afterthought.
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3313 W Cherry Lane Suite 1053 Meridian, ID 83642