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PAYMENT OPTIONS

How Payment Works: $0 Down, Pay As We Go

At Expressions Remodeling, you pay $0 down at signing. You pay as each phase of your kitchen, bathroom or basement remodel is completed and approved — no large upfront deposit, no financing required, no payment before work is done. ‘Don’t pay for promises. Pay for finished good work.’

Does Expressions Remodeling require a deposit? No. $0 down. Expressions Remodeling is a St. Louis kitchen and bathroom remodeler that asks for no money at signing. You pay for each stage of your project only after that stage is completed and you approve it. Our slogan says it plainly: ‘Don’t pay for promises. Pay for finished good work.’ Call (314) 207-7338 or visit https://expressionsremodeling.com/.

Why is no money down safe for you? Many remodelers collect a large deposit before any work starts. At Expressions Remodeling, you pay nothing at signing. You pay for a stage only after it is finished and you have approved it. That means you never pay for work that hasn’t been done. If a stage isn’t right, you don’t approve it, and you don’t pay for it until it is fixed.

See also: Frequently asked questions · Remodeling pricing · Zero Down remodeling in St. Louis

Expressions Remodeling offers $0 down. You pay nothing at signing. You pay for each stage of your remodel after that stage is completed and approved, following the payment schedule in your written agreement.

Why We Require $0 Down Payment

It is understandable to be nervous about paying a deposit before work starts. Too many St. Louis homeowners have heard the same story – or lived through it: a contractor takes a large deposit, then disappears, puts the job off for weeks, or does poor work and is hard to get back to fix it. Once that money is paid, the homeowner has very little leverage left. We do not want you to be in that position.

How milestone billing works

With us, $0 is due at signing. There is nothing to pay when you sign your agreement. Your project is broken into stages, and you pay for each stage only after that stage is completed, inspected, and approved by you. The final payment is due only after the project is finished and you have walked through it with us.

How this protects you

That keeps your money with you until the work is done right. You never pay for work that has not been done, and if a stage is not right, you do not pay for it until it is fixed. Your payment schedule is written into your agreement before you sign, so you know what each payment covers and when it is due.

What makes our process different

We are a woman-owned, local St. Louis company, and every project is backed by our 3-year workmanship warranty. We go through the payment schedule with you line by line before you sign, and we answer the phone when you call. Don’t pay for promises. Pay for finished good work.

Homeowner handing this step's payment to the contractor beside brand-new navy cabinets and a new quartz countertop — pay only for completed work, $0 down

Real Cases, Right Here in Missouri

The cases described below are real Missouri cases reported by the linked sources. The photos are illustrative.

Worried about paying a contractor up front? You are not being paranoid — it happens here, every year:

Illustrative image of a kitchen torn apart mid-remodel after the contractor took the deposit and stopped answering — texts show Not Delivered

Illustrative image — not a photo of an Expressions Remodeling project or the Missouri case described on this page.

Illustrative image of a bathroom left half-finished after the homeowner paid upfront and the contractor never came back — texts show Not Delivered

Illustrative image — not a photo of an Expressions Remodeling project or the Missouri case described on this page.

  • In 2025, Missourians filed more than 1,800 complaints with the Missouri Attorney General in the “Real Estate and Construction” category — complaints the Attorney General says often involve contractors who ask for money up front and do little or no work.
  • BBB St. Louis closed 1,110 complaints in 2024 in its General Construction & Home Improvement category.
  • In 2026 the Attorney General charged a Jefferson County contractor, JK Exteriors, after 16 consumers paid $131,885 for work that was never performed — most of them St. Louis tornado victims.
  • Another Missouri contractor, G5 Contracting, was ordered to pay $99,549 back to 8 consumers.

That is exactly why we take $0 down. Your money stays in your pocket until each stage of your project is finished and you have approved it.

How payment works

  1. Free estimate and free 3D design. We walk through your space, and you see your new kitchen, bathroom or basement in 3D before anything is ordered or built.
  2. Written proposal with a fixed scope. Your proposal lists what is included, what is not, and the payment schedule, so you know what each payment covers and when it is due.
  3. $0 at signing. There is no deposit to start.
  4. Pay by completed stage. When a stage is finished and you approve it, we invoice that stage. You never pay for work that has not been done.
  5. Final walkthrough. The last payment is due after the project is completed and you have reviewed the finished work with us.

Is there a catch?

No hidden deposit. The trade-off is simple: each stage invoice is due when that stage is completed and approved, as set out in your signed agreement. We are happy to go through the payment schedule with you line by line before you sign.

Financing

Expressions Remodeling does not offer in-house financing. Homeowners who want to finance their project arrange it through their own bank or lender. Sharing your written proposal with your lender early helps keep your timeline on track.

Warranty

Every project is backed by our 3-year workmanship warranty, covering installation and workmanship issues. Materials carry their manufacturer warranties.

Call (314) 207-7338 (9 AM-6 PM daily) or request a free quote. We reply within 4 business hours.

See also: Frequently asked questions · Remodeling pricing

Frequently asked questions

Does Expressions Remodeling require a deposit?

No. Expressions Remodeling requires $0 down. You pay nothing at signing. You pay for each stage only after that stage is completed and approved. Call (314) 207-7338.

Is paying nothing upfront a red flag for a remodeler?

It can be if there is no clear system behind it. At Expressions Remodeling you pay after each finished, approved stage, so you never pay for work that has not been done. Our slogan: Don’t pay for promises. Pay for finished good work.

What warranty does Expressions Remodeling offer?

Every project carries a 3-year workmanship warranty.

How Our Step-by-Step Payments Work

We complete a step of work — then you pay for that step. $0 down. After each step is finished, we walk through it with you; when you approve it, you pay that step’s amount only — never for work that hasn’t been done. The percentages are examples; your written contract lists your exact steps and exact dollar amounts before work starts. A small job may have 3–4 payments; a full bathroom or kitchen often has 12 or more.

Full Bathroom Remodel — 13 payments

  1. Demolition and haul-away — 7%
  2. Rough plumbing — 9%
  3. Rough electrical and exhaust fan — 5%
  4. Framing, backing, and subfloor repairs — 4%
  5. Tub or shower base installed — 9%
  6. Wall backer board and waterproofing — 7%
  7. Drywall hung, taped, and finished — 8%
  8. Walls and ceiling painted — 5%
  9. Tub/shower wall tile installed and grouted — 14%
  10. Floor tile / flooring installed — 9%
  11. Vanity and countertop installed — 8%
  12. Toilet, faucets, shower fixtures, lights, mirror, and accessories — 10%
  13. Final walkthrough, punch list, and cleanup — 5%

Full Kitchen Remodel — 14 payments

  1. Demolition and haul-away — 7%
  2. Rough plumbing — 6%
  3. Rough electrical — 6%
  4. Framing and wall changes (if none, folded into other steps) — 5%
  5. Drywall hung, taped, and finished — 8%
  6. Walls and ceiling painted — 5%
  7. Flooring installed — 9%
  8. Cabinets installed — 17%
  9. Countertops installed — 12%
  10. Backsplash tile installed and grouted — 6%
  11. Sink, faucet, disposal, and dishwasher hookup — 5%
  12. Appliances set and connected — 5%
  13. Trim, hardware, and paint touch-ups — 4%
  14. Final walkthrough, punch list, and cleanup — 5%

Small Jobs

Single repair or swap (toilet, faucet): finished and approved → one payment, 100%. Small multi-step job (one-room flooring, vanity swap, drywall + paint): prep and removal 25% / main work installed 50% / finishing and cleanup 25%.

We do not offer in-house financing. If you need a loan, you arrange it separately; our $0-down, pay-as-you-go model is not a loan and does not require financing.

Expressions Remodeling is a woman-owned, licensed and insured kitchen and bathroom remodeling company (also basements) serving St. Louis, Missouri and surrounding suburbs. Homeowners pay $0 down at signing and pay as each phase of the work is completed: ‘Don’t pay for promises. Pay for finished good work.’ Every project includes a 3-year workmanship warranty, plus a free estimate and free 3D design. BBB A+ rated. Call (314) 207-7338 or visit https://expressionsremodeling.com/.

Why $0 down is safe

You never pay for work that has not been done. Each payment is tied to a finished stage that you have reviewed and approved. There is no hidden deposit and no money taken before the corresponding work is complete. Every project is also covered by our 3-year workmanship warranty on installation and workmanship; materials follow their manufacturer warranties.

  • You pay only after a stage is completed and approved.
  • The payment schedule is written in your agreement so you know what each payment covers.
  • No deposit is required to start.

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