All figures are sample bands for a Scottsdale kitchen and are not quotations. Design fees are credited against the build when you proceed with us.
02
Six milestones, all dated in the contract
You never pay for work that has not started
Each milestone is tied to an event you can see on site, not to a calendar date that arrives whether the work did or not.
Payment milestones
Milestone
Triggered by
Share of contract
Design fee
At the start of the drawing phase
Credited against the build
Contract deposit
On signing the fixed-price contract
15 percent
Cabinetry release
When cabinetry goes into production
35 percent
Stone template
After cabinets are set and templated
30 percent
Substantial completion
When the kitchen is usable
15 percent
Punch list closed
Within 10 business days of completion
5 percent
Sample schedule. Exact percentages are set in your contract and vary with scope.
03
Three routes, all illustrative
How clients usually fund a kitchen
Studio instalment plan
0% APR
12 months
$46,000 at 0% over 12 months is $3,833 per month
Sample terms. Subject to credit approval by our lending partner.
Extended fixed rate
8.49% APR
84 months
$92,000 at 8.49% over 84 months is about $1,462 per month
Sample figure for comparison only, not an offer of credit.
Home equity line
Varies by lender
Set by your bank
Often the lowest cost on a project above $150,000
Arranged by you directly with your own bank. We supply the scope documentation.
The compliance bit, said plainly
Lumen Kitchen Design is not a lender and does not arrange credit. Every rate, term and monthly payment shown on this page is an illustrative sample for comparison only, not an offer or a pre-approval. Actual terms depend entirely on the lender's assessment of your circumstances. Ask your own bank about a home equity line before assuming a promotional rate is the cheapest option.
04
Straight answers
Money and timing
Not covered here?
Call the studio and speak to a designer, not a call centre. If we cannot answer it on the phone we will say so.
As a sample band: refacing from about $21,500, a mid-scope remodel around $92,000, and a structural project with custom joinery from $165,000. The plan set gives you a fixed number before any demolition, not a range that moves.
Firm enough that we publish our record: 91 percent of projects finished on the contract date last year (sample figure). Dates slip for two reasons, client selections made late and materials that stop existing, and we manage both by closing every selection before demolition.
We work with two third-party lenders and show illustrative terms on the financing page. All rates and monthly figures shown on this site are samples for comparison, not offers, and approval is between you and the lender.
A design fee at the start, then a deposit at contract, a cabinetry release payment, a stone template payment and a final payment at punch-list closure. Every milestone is dated in the contract.
Get a fixed price, not a range.
The plan set turns a band into a number. That is what the consultation buys you.