PREVIOUSLY DECKSCAPES OF VIRGINIA | LEARN MORE
PREVIOUSLY DECKSCAPES OF VIRGINIA | LEARN MORE
A custom design-build project involves multiple trades, detailed structural engineering, and high-spec material logistics. Capital planning should feel just as organized as the construction process itself.
For 21 years, xScape has served as the single-source master builder for Northern Virginia homeowners. To keep your project moving seamlessly from initial concept to completed site, we partner with premier national lenders, including Lyon Financial, Hearth, and HFS Financial, to offer flexible funding options up to $350,000+. Pre-qualifying takes minutes and relies on a soft credit check that will not affect your credit score.
Every backyard tells a story of clear direction, honest materials, and precise planning. Take a look inside completed projects:
Pools & Integrated Master Plans
Installation and craftsmanship on custom decks, covered porches, screened porches, masonry, and integrated hardscapes.
Pre-Qualify with Lyon Financial
Large Scopes & Expanded Funding
HFS Financial pairs borrowers on major builds with a dedicated loan consultant. A major benefit for custom structural projects is HFS’s 120% funding buffer: if you decide to add an outdoor kitchen, motorized screens, or integrated heating elements during site development, your approved loan can absorb those scope additions without requiring a second credit application.
Pre-Qualify with HFS Financial
Unsecured Personal Capital
Ideal for targeted structural additions where rapid pre-construction clearance is preferred. Unsecured personal loans preserve your existing home equity while providing fixed monthly installments and zero prepayment penalties.
Pre-Qualify with Hearth
Home Improvement Loans Without Using Home Equity
LightStream offers an online way to finance a home improvement project without an appraisal or home equity requirement. Loan approval, rates, and terms depend on your credit profile and other lender criteria.
Explore LightStream Home Improvement Loans
1. Initial Scope & Site Consultation
Connect with an xScape representative to establish your vision, engineering requirements, and overall project target.
2. Soft Pre-Qualification
Apply online through our secure partner portals to review approved rates and terms without impacting your credit score.
3. Fixed-Price Contract Lock
Our in-house design and estimating team establishes your exact fixed-price agreement before construction begins, eliminating unexpected mid-build expenses.
4. Milestone Disbursal
Managed by a single dedicated Project Manager, your project moves through permitting, procurement, and site execution. Funds disburse in transparent stages tied directly to verified job-site progress.
Project Target Scope: xScape specializes in complete outdoor lifestyle solutions, with project scopes typically starting around $100,000 and up. Financing applies to full custom deck builds, covered porches, hardscapes, and gunite pool integrations. Standalone repairs, minor maintenance, and cosmetic touch-ups do not qualify.
Built-In Warranty Protection: Every project is backed by our 15-year structural warranty on steel framing and a 4-year labor warranty on all decks, porches, and hardscapes.
Client Referral Incentive: Our client referral program awards $500 to you and $500 to your referred neighbor or friend when they sign an agreement for a custom xScape build. Review our client referral program terms for full details.
No. Pre-qualification across all lending partners relies on a soft credit inquiry. A formal hard credit check occurs only after you select a specific loan offer and complete final closing documents.
Yes. Approved loan amounts cover the entire agreement, including pre-construction steps like site plan development, structural engineering, HOA documentation, municipal permits, and all construction labor.
If you choose to add features during construction (such as integrated lighting, heating elements, or upgraded masonry), your Project Manager generates a written change order. Additional items can be paid directly or absorbed into your existing loan structure prior to project completion.
No. None of our lending partners charge prepayment penalties. You can make principal reductions or pay off the remaining balance in full ahead of schedule to reduce total interest costs.
Once loan paperwork is finalized, initial deposit funds typically disburse within 1 to 5 business days. This allows our pre-construction team to acquire special-order materials and lock in site mobilization dates on our build calendar.
All financing is provided by independent third-party lenders (Lion Financial, HFS Financial, White Stream, Hearth) and is subject to final credit approval, income verification, and lender terms. Rates and loan maximums depend on borrower credit profiles. The xScape client referral bonus ($500/$500) requires a signed contract by the referred party.