Bathroom Remodeling — $0 down financing
Modernize your bathroom — new vanity, tile, shower, and fixtures — with $0 down and no payments for 12–18 months.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingFlorida bathrooms battle constant humidity; proper ventilation and mold-resistant materials are a practical upgrade, not just a cosmetic one — and updated baths lift resale value.
Your bathroom is one of the smallest rooms in your Florida home, but it works harder than almost any other. It absorbs daily steam, runs its exhaust fan against relentless humidity, and quietly accumulates the wear — chipped tile, a dated vanity, grout that never seems to come clean, a tub no one uses anymore — that makes the whole house feel older than it is. A bathroom remodel is the single highest-impact way to modernize a home without taking on a top-to-bottom renovation, and it consistently returns more of its cost at resale than most other interior projects.
APEX Project is not a contractor and not a lender. We are an independent matching service for Florida property owners, with a focus on Miami-Dade. We connect you with vetted, licensed contractors who specialize in bathroom work, and we arrange the financing so you can move forward without writing a check upfront. Because a bathroom remodel is cosmetic and lifestyle work — not energy, renewable, or hurricane-hardening — it does not qualify for property-tax PACE financing under Florida law. Instead, we route it through our consumer program: $0 down, no payments for the first 12–18 months, then low monthly payments. That is financing, not a grant, and not free money — but it lets you start now and pay over time.
Whether you want a full gut renovation, a single walk-in shower to replace a tub you can no longer step over, or a clean swap of the vanity, tile, and fixtures, the path is the same. One vetted contractor handles the job start to finish, you know the financing terms before any demolition begins, and APEX stays in the loop as a neutral party — not the company holding the hammer or the loan.
Why it matters in Florida
In South Florida, a bathroom is in a constant fight with moisture. Year-round humidity, long shower-heavy summers, and homes that often run the air conditioning instead of opening windows mean bathrooms here see far more sustained dampness than in drier climates. That is why a Miami-Dade bathroom remodel is rarely just cosmetic: the things that matter most — a properly sized exhaust fan, moisture-resistant backer board behind the tile, sealed grout, mold-resistant paint, and quality waterproofing under the shower pan — are practical defenses against the mildew, soft drywall, and hidden rot that plague older Florida baths. Skipping them is how a "new" bathroom starts looking tired in two years. There is also a real resale and insurance dimension. Much of Miami-Dade's housing stock is decades old, and dated or water-damaged bathrooms are one of the first things buyers and inspectors flag. A modern, properly ventilated, leak-free bathroom protects the value of the home and removes a recurring source of moisture problems — and for older homeowners, a tub-to-shower conversion or grab-bar-ready walk-in shower is one of the most useful aging-in-place upgrades available, letting people stay safely in the homes they have lived in for years.
Why homeowners choose this
$0 down to begin
You can start your bathroom remodel without any upfront payment. The consumer program covers the project cost so demolition and installation can begin once you are matched with an available contractor — no large check before the work starts.
No payments for 12–18 months
After the work is done, you make no payments for the first 12 to 18 months. That breathing room lets you enjoy the finished bathroom — and recover from any other expenses — before the repayment schedule kicks in.
Built to beat Florida humidity
Matched contractors use mold- and moisture-resistant finishes suited to the climate: proper waterproofing, mildew-resistant paint, sealed grout, and correctly sized ventilation, so the remodel stays looking new instead of breeding mildew.
One vetted, licensed contractor, start to finish
You work with a single licensed contractor who handles demolition, plumbing, tile, fixtures, and finishing — no juggling multiple trades or wondering who is responsible for what. APEX pre-vets for licensing and track record.
Higher resale value and fewer moisture problems
Updated bathrooms are among the strongest interior improvements for resale, and fixing leaks, poor ventilation, and failing waterproofing eliminates an ongoing source of damage that quietly devalues a home.
Aging-in-place options
Tub-to-shower conversions, curbless walk-in showers, grab-bar reinforcement, and comfort-height fixtures let older homeowners use the bathroom safely and stay in their home longer.
From match to done
- 1
Tell us about your bathroom
Share what you want — a full remodel, a walk-in shower, or a fixtures-and-tile refresh — along with your home's location and any must-haves like accessibility features. This takes a few minutes and costs nothing.
- 2
Get matched with a vetted contractor
APEX matches you with a licensed Florida contractor who specializes in bathroom work and serves your area. You are not handed a list to cold-call; we connect you directly.
- 3
On-site assessment and a clear scope
The contractor visits, measures, checks the existing plumbing and ventilation, and gives you a written scope and an estimate based on your actual bathroom — not a generic number.
- 4
Review financing, then approve
We lay out the $0-down consumer program terms — no payments for 12–18 months, then low monthly payments — in plain language. You see the numbers and approve before any work begins.
- 5
Build, inspect, and enjoy
The contractor completes demolition and installation, pulls any required permits and inspections, and finishes the job. You walk through the result, confirm you are satisfied, and your no-payment window begins.
What's included
- Full bathroom remodel — layout, plumbing, tile, fixtures, and finishes
- Walk-in shower installation and tub-to-shower conversion
- Vanity, countertop, sink, and faucet replacement
- Tile work for floors, shower walls, and surrounds
- New toilet, shower valve, and fixture upgrades
- Exhaust ventilation and moisture-control improvements
- Waterproofing, sealed grout, and mold-resistant finishes
- Accessibility and aging-in-place features (curbless showers, grab-bar blocking, comfort-height fixtures)
$0-down financing for your Bathroom Remodeling
Bathroom remodeling is financed through APEX's consumer program, not through PACE. PACE (Florida statute s.163.08) is limited to energy efficiency, renewable energy, and wind/hurricane-resistance work repaid through your property-tax bill — a bathroom remodel falls outside that scope, so it cannot be put on your taxes as a PACE assessment. Instead, the consumer program offers $0 down, no payments for the first 12–18 months, and low monthly payments after the introductory period. This is a financing arrangement, not a grant and not free money: you repay the full amount over time, and approval depends on standard eligibility criteria reviewed when you apply. One narrow exception worth knowing: if your project includes a specific high-efficiency component — for example, a qualifying high-efficiency water heater or certain low-flow plumbing tied to a water or energy program — that individual item could potentially route to a separate energy/water financing path. That applies only to the qualifying component, not the cosmetic remodel, and it has to be verified item by item. The tile, vanity, and shority of the work remains consumer-program financing.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Costs vary widely by scope. A focused refresh — new vanity, fixtures, and tile in an existing layout — typically lands at the lower end, while a full gut renovation, a tub-to-shower conversion, or moving plumbing pushes higher. Tile selection, fixture quality, the size of the bathroom, and the condition of the existing plumbing and waterproofing are the biggest drivers. These ranges are illustrative only; your matched contractor provides an actual estimate after seeing your bathroom, and that figure — not any number here — is what the financing is based on.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Bathroom Remodeling — questions
Does a bathroom remodel qualify for PACE financing?+
No. PACE under Florida law covers only energy efficiency, renewable energy, and hurricane-resistance work repaid through the property-tax bill. A bathroom remodel is cosmetic and lifestyle work, so it is financed instead through our $0-down consumer program — no payments for 12–18 months, then low monthly payments.
How soon can I start?+
As soon as we match you with an available vetted contractor and you approve the financing. Because there is $0 down, you do not pay anything upfront, and you pay nothing for the first 12–18 months after the work is done.
Is the financing really free?+
No. The consumer program is financing, not a grant. You pay $0 at the start and nothing for the intro period, but you repay the full amount over time in low monthly payments. We show you the terms before you commit.
Is APEX the contractor doing the work?+
No. APEX is an independent matching service. We connect you with a vetted, licensed Florida contractor and arrange the financing, but the licensed contractor performs the remodel. We stay involved as a neutral party.
How long does a bathroom remodel take?+
It depends on scope. A vanity-and-tile refresh can be a matter of days, while a full remodel or tub-to-shower conversion typically takes a couple of weeks. Your matched contractor gives you a realistic timeline with the estimate, and permit and inspection timing can affect it.
Will the remodel hold up to Florida humidity?+
That is exactly why proper materials matter here. Matched contractors use mold-resistant finishes, correct waterproofing, sealed grout, and adequately sized ventilation so the bathroom resists the mildew and moisture damage common in South Florida baths.
Can you do an accessible or walk-in shower for aging in place?+
Yes. Tub-to-shower conversions, curbless walk-in showers, grab-bar reinforcement, and comfort-height fixtures are common requests, especially in Miami-Dade's older housing. Tell us during matching and we will connect you with a contractor experienced in accessibility work.
Do I need permits, and who handles them?+
Most structural, plumbing, and electrical changes in a bathroom require permits and inspections in Florida. Your licensed contractor pulls the required permits and coordinates inspections as part of the job — you do not have to manage that yourself.
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.