Kitchen Remodeling — $0 down financing
A full kitchen transformation — new cabinets, counters, and layout — with $0 down and no payments for 12–18 months.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingOpen, humidity-tolerant kitchen materials and ventilation matter in Florida's climate, and a modern kitchen is a top driver of resale value in the hot Miami-Dade market.
Your kitchen is the room your family actually lives in — where the morning coffee gets made, where homework happens, where everyone ends up at a party regardless of how much space the rest of the house has. In a Florida home, it's also the room that takes the most abuse from heat, humidity, and hard water, and the single space that most influences what a buyer thinks the moment they walk in. A kitchen remodel done well does two jobs at once: it makes daily life noticeably better, and it adds tangible resale value in one of the most competitive housing markets in the country.
APEX Project is an independent contractor-matching and financing service for Florida property owners, with a focus on Miami-Dade. We are not a contractor, a lender, or a design-build firm. What we do is connect you with a vetted, licensed Florida contractor who handles your project from design through final walkthrough, and arrange financing so the cost isn't a wall between you and the kitchen you want. For a kitchen remodel specifically, that financing is our $0-down consumer program — start with no money down, make no payments for the first 12–18 months, then move to low monthly payments. It is honest to say up front: this is a payment plan, not a grant and not free money. It's a way to do the project now and pay for it over time.
We want to be equally clear about one thing many homeowners ask: a kitchen remodel does not qualify for PACE financing. PACE in Florida is restricted by statute to energy efficiency, renewable energy, and hurricane/wind resistance — cosmetic and lifestyle improvements like cabinets, counters, and layout changes fall outside it. If your project happens to include a genuinely energy-efficient component (say, a high-efficiency appliance package or efficient replacement windows in the kitchen), that specific item could potentially be financed separately through PACE — but the kitchen itself goes through the consumer program. We'd rather tell you that on the way in than surprise you later.
Why it matters in Florida
Florida kitchens fight a battle that kitchens in drier states never face. Year-round humidity warps low-grade cabinetry, swells particleboard boxes, and feeds mold behind sinks and under dishwashers if the materials and ventilation aren't chosen for the climate. Salt air near the coast corrodes cheap hardware and appliance finishes. Hard water leaves scale on fixtures and shortens the life of faucets and disposals. A kitchen built with Florida in mind — moisture-resistant cabinet construction, sealed and heat-tolerant countertop surfaces like quartz or porcelain, proper range-hood ventilation that actually exhausts outside, and corrosion-rated hardware — simply lasts longer here than a builder-grade kitchen ever will. There's also the market reality of Miami-Dade. The housing stock skews older, and many homes still carry original or dated kitchens that quietly cap their value. In a market where buyers move fast and compare aggressively, an updated, open, well-lit kitchen is consistently one of the top features that drives offers and shortens time on market. A remodel here isn't just a comfort upgrade — in many Miami-Dade neighborhoods it's one of the highest-leverage improvements you can make to the property itself.
Why homeowners choose this
$0 down to start
You don't need to write a large check or drain savings to begin. The consumer financing program lets the project start with nothing down, so the timeline isn't held hostage by how much cash you have on hand this month.
No payments for 12–18 months
The intro period gives you real breathing room — finish the remodel, enjoy it, and let your budget recover before the first payment is due. After the intro window, you move to low monthly payments. It's a payment plan, not a grant, and we say so plainly.
One vetted contractor, start to finish
You're matched with a single licensed Florida contractor who carries the project from design and demo through cabinets, counters, and the final walkthrough — no juggling separate trades or chasing accountability across multiple companies.
Built for the Florida climate
Matched contractors steer you toward moisture-resistant cabinet construction, heat- and stain-tolerant counter surfaces, and ventilation that actually exhausts outdoors — choices that hold up to humidity, hard water, and coastal air far better than builder-grade.
Real resale value in Miami-Dade
An updated, open kitchen is one of the most reliable value-drivers in this market. In neighborhoods full of older, dated kitchens, a modern one can be the feature that wins the offer and shortens time on market.
Independent guidance, not a sales pitch
APEX isn't the contractor and isn't the lender. Because we're independent, our job is matching you to the right licensed pro and the right financing structure — not pushing a particular product line.
From match to done
- 1
Tell us about your kitchen
You share the basics — your home, roughly what you're picturing (a refresh, a full gut, a layout change), and your timeline. No commitment, no upfront cost to get matched.
- 2
Get matched with a vetted contractor
APEX connects you with a licensed Florida contractor whose experience fits the scope and your neighborhood. They visit, measure, and talk through what's realistic — layout, materials, and what the Florida climate calls for.
- 3
Design, scope, and a clear written estimate
You finalize the layout, cabinets, countertops, and finishes, and the contractor puts the full scope and cost in writing — so there are no moving-target numbers once work begins.
- 4
Set up $0-down financing
If you choose to finance, APEX arranges the consumer program: $0 down, no payments for 12–18 months, then low monthly payments. You'll see the terms in writing — what you'll owe, when, and for how long — before you sign anything.
- 5
Build, walkthrough, and done
The contractor handles demo through installation and finish work. At the end you do a final walkthrough together, confirm everything's right, and the kitchen is yours — with payments structured to start after the intro period.
What's included
- Design consultation and layout planning (refresh, full gut, or reconfiguration)
- Custom, semi-custom, or stock cabinetry sized to your space and budget
- Countertops — quartz, porcelain, granite, or solid surface suited to Florida heat and humidity
- Cabinet hardware, sink, faucet, and fixture selection and installation
- Backsplash, under-cabinet and recessed lighting, and electrical updates as needed
- Optional island addition or removal of a wall to open the space (where structurally feasible)
- Appliance modernization and integration, including efficient-appliance packages on request
- Range-hood / ventilation upgrades that properly exhaust humidity and cooking heat
- Plumbing and electrical rough-in handled by the licensed contractor, permits where required
$0-down financing for your Kitchen Remodeling
Kitchen remodels are financed through APEX's $0-down consumer program, not through PACE. PACE (Florida statute s.163.08) is limited to energy-efficiency, renewable-energy, and wind/hurricane-resistance improvements that attach to and are repaid through your property-tax bill — a kitchen remodel is cosmetic and lifestyle work, so it does not qualify. The consumer program works differently: you start the project with $0 down, make no payments for the first 12–18 months, and then move to low monthly payments for the remainder of the term. It is important to be clear that this is a financing arrangement — a loan repaid over time — not a grant, a rebate, or free money. You will be responsible for repaying the financed amount on the schedule you agree to. Approval and exact terms depend on standard financing factors and the lending partner's criteria, and you'll always see the full terms in writing before committing. One useful note: if your kitchen project includes a specific component that genuinely qualifies as energy-efficient — for example a high-efficiency appliance package or efficient replacement windows in the kitchen wall — that individual item could potentially be routed to PACE financing separately, while the rest of the kitchen stays on the consumer program. That has to be verified item by item against PACE eligibility rules, and APEX will tell you honestly whether anything in your project fits.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Kitchen remodel costs vary widely and these figures are illustrative, not a quote. A cosmetic refresh (new counters, hardware, paint, fixtures) typically lands in the lower range, while a full gut with custom cabinetry, stone counters, new appliances, and a layout change runs substantially higher. The biggest cost drivers are cabinetry (custom vs. stock), countertop material, whether you're moving plumbing or electrical, and any structural change like removing a wall or adding an island. Your matched contractor provides a written estimate specific to your kitchen — that's the only number that means anything for your project.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Kitchen Remodeling — questions
Can I use PACE financing for my kitchen remodel?+
No. Florida PACE law covers only energy-efficiency, renewable-energy, and hurricane-resistance improvements — a kitchen remodel is cosmetic and lifestyle work, so it isn't eligible. You can still do the kitchen with $0 down through our consumer financing program: no payments for 12–18 months, then low monthly payments. If a specific item in your project (like an efficient appliance package or efficient windows) genuinely qualifies, that one piece could potentially route to PACE separately.
Is the $0-down financing free money or a grant?+
No, and we won't pretend otherwise. It's a payment plan — a loan you repay over time. The benefit is that you start with nothing down and make no payments for the first 12–18 months, then low monthly payments after that. It's a way to do the project now and pay for it gradually, not a giveaway.
Who actually does the remodel — is APEX the contractor?+
No. APEX is an independent matching and financing service. The work is done by a vetted, licensed Florida contractor we connect you with, who handles the project from design through the final walkthrough. We're not the contractor and not the lender — we match you to the right people and arrange financing.
How long does a kitchen remodel take?+
It depends on scope. A cosmetic refresh can be a couple of weeks; a full gut with custom cabinetry and a layout change is typically several weeks to a couple of months, including time for cabinets and counters to be fabricated. Your matched contractor gives you a realistic timeline in writing before work starts.
What materials hold up best in Florida kitchens?+
For our climate, moisture-resistant cabinet construction matters more than it does up north, and heat- and stain-tolerant counters like quartz or porcelain tend to outperform cheaper surfaces. Proper range-hood ventilation that exhausts outdoors helps control humidity and cooking heat. Your contractor will steer you toward choices built for Florida rather than builder-grade.
Do I need permits for a kitchen remodel in Miami-Dade?+
Often yes — especially when plumbing, electrical, or structural changes (like moving a wall or adding an island) are involved. Your licensed contractor handles pulling the required permits as part of the job, which is one of the reasons working with a vetted, licensed pro matters here.
Can I just replace cabinets and counters without a full gut?+
Absolutely. A cabinet-and-countertop replacement or a targeted refresh is a very common project and a cost-effective way to modernize without reconfiguring the whole room. The contractor scopes it to what you actually want — you don't have to commit to a full remodel to make a real difference.
Will a remodeled kitchen really add resale value?+
In Miami-Dade, an updated, open, well-lit kitchen is consistently one of the strongest value-drivers, particularly given how much of the housing stock still has older, dated kitchens. We won't quote you a specific return figure — that depends on your home and market — but a modern kitchen is widely considered one of the highest-leverage improvements you can make.
What's the first step to get started?+
Tell us about your kitchen and your timeline. There's no upfront cost to get matched with a licensed contractor, and you'll get a written estimate before any work or financing is committed. From there, it's your decision whether to move forward.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.