A full-home renovation comes with a lot of competing priorities and a budget that gets pulled in every direction. Flooring is one of the categories where the temptation to cut costs is highest, partly because the upfront number is visible and the long-term cost of a cheaper choice isn’t.
The problem is that flooring is one of the few surfaces in a home that’s both structural and aesthetic. It affects how a room sounds, how warm it feels, how it holds up over years of use, and how it reads to buyers if you ever sell. Saving money on the installation by skipping prep steps or choosing lower-grade materials doesn’t eliminate the cost. It just moves it further down the road, usually in the form of replacement.
Our 0% interest financing exists to close that gap. You get the installation done right, with the materials and process your home deserves, and you spread the cost over manageable monthly payments without paying a dollar in interest.
The Real Cost of a Cheap Floor
The price you pay at the start of a flooring project isn’t the same as what the floor costs you over time. A low-bid installation that skips subfloor preparation, uses economy-grade padding, and rushes through seaming might look acceptable on day one. Within a few years, you’re looking at rippling, premature fiber wear, seams that are pulling apart, and in some cases moisture-related damage to the subfloor underneath.
That floor gets replaced. And when it does, you pay for subfloor preparation that should have been done the first time, plus the cost of the new floor on top of it.
A properly installed premium floor, done once and backed by a lifetime guarantee, costs less in total than a budget floor replaced after seven years. Financing makes it possible to make that choice now rather than defaulting to whatever fits the immediate budget.
What the Financing Actually Covers
Our financing covers the full project scope: materials, labor, subfloor preparation, and everything included in our standard installation process.
That means the 10 lb density padding isn’t something you have to upgrade to separately. The moisture testing isn’t an add-on. The subfloor flatness verification to within 3/16″ over a 10-foot span is part of every installation we do, financed or otherwise. The quote you receive is the full picture, and that’s what you’re financing.
Same-day approvals mean you can walk into a consultation, land on a material you love, and move forward without a waiting period. There’s no second appointment to confirm financing before scheduling. You leave with a plan.
Here’s how the two approaches compare over time:
| Standard Cash Purchase | The RTW Financed System | |
| Upfront capital | Full amount required | Low monthly payments, 0% interest |
| Material grade | Often compromised for budget | Premium high-performance fibers |
| Subfloor prep | Minimal or extra cost | Included flatness and moisture testing |
| Padding | 6-8 lb standard | 10 lb high-density |
| Long-term cost | High, likely replacement in 5-7 years | Lowest, lifetime installation guarantee |
| Approval time | Not applicable | Same-day |
Why Padding Is the Last Place to Cut
In a full-home renovation, padding is one of the first things a budget installer reduces to lower the quote. Dropping from a 10 lb to a 6 or 8 lb pad saves money in the short term and creates problems over the long term.
Dense padding is what protects the carpet backing from the hard surface beneath it. When padding is too soft, it compresses fully under foot traffic and the carpet backing begins rubbing directly against the subfloor. That contact breaks down carpet fibers from underneath, accelerating wear in high-traffic areas and shortening the life of the installation significantly.
For a full-home renovation in a multi-level property, the acoustic argument for quality padding is just as strong. A 10 lb density pad absorbs impact noise at the source rather than allowing it to travel through the floor structure. For homes with bedrooms below main living areas, or with basement spaces that need to stay usable and quiet, that performance difference is felt daily.
When you finance a full-home project with us, the right padding is part of the system. It’s not an upgrade you have to argue for.
The Moisture Factor in Broomfield and the Front Range
Newer construction on the Front Range, including many Broomfield developments, is built on concrete slabs that can hold residual moisture longer than older construction might suggest. That moisture affects how adhesives bond, how padding performs, and in some cases creates conditions for mold growth that isn’t visible from the surface.
We perform professional moisture testing on every subfloor before installation begins, regardless of how new the construction is. If moisture levels are outside the appropriate range for the materials being installed, we address the source before any carpet or hard flooring goes down.
This step is what separates a floor that performs for decades from one that starts showing problems within a few years. Financing a premium installation that skips this step isn’t financing quality. It’s financing a problem. We don’t do it that way.
Material Selection for a Full-Home Project
A full-home renovation often involves more than one flooring type: carpet in bedrooms and living spaces, and hard flooring in kitchens, entryways, or main traffic corridors. Our financing covers the full project across all rooms and all material types.
For carpeted areas, we typically recommend high-twist solution-dyed nylon or premium wool blends. Solution-dyed nylon is dense, cleanable, and holds its appearance under heavy use, making it well-suited for high-traffic areas and households with kids or pets. Wool is a natural, resilient option that signals quality and performs beautifully in lower-traffic spaces like primary suites and guest rooms.
Both are available with Green Label Plus certified materials, meaning low chemical emissions and no off-gassing concerns during or after installation. For a renovation where you’re living in the home through the process, that matters.
We’ll help you match materials to rooms based on how each space is actually used, not just what looks good in a sample portfolio.
How to Plan a High-End Flooring Full-Home Renovation Broomfield Timeline
A full-home renovation has more moving parts than a single-room project, and the flooring schedule affects everything else: painting, furniture delivery, final walk-throughs, and in some cases closing timelines if the home is being prepared for sale.
We back every project with our On-Time, On-Budget Guarantee. Your quote is your final price and your completion date is confirmed in writing when you book. If we miss that date, we pay you $200 for every day of delay. For a renovation with multiple trades and a tight schedule, that guarantee protects more than just the flooring timeline.
Every installation is also backed by our Lifetime Installation Guarantee. If anything related to the installation isn’t right, including seams, transitions, edges, or tension across any room in the project, we come back and fix it at no charge, with no expiration date.
Come See Us in Boulder
Our showroom is next to McGuckin Hardware, and we serve homeowners across Boulder, Louisville, Lafayette, Erie, Superior, Broomfield, Niwot, Gunbarrel, and Longmont. Stop in to explore our material selection and talk through financing options in person, or we can come to your home and bring samples with us.
No pressure, no “sign today” tactics. Just honest guidance and a clear path forward for your renovation.
Frequently Asked Questions
How quickly can I get approved for financing?
We offer same-day approvals during your showroom visit or in-home consultation. You won’t need a second appointment to confirm financing before scheduling your project.
Does financing affect the Lifetime Installation Guarantee?
Not at all. The guarantee covers the craftsmanship of the installation regardless of how the project is paid for. Whether you pay in full or use our 0% interest financing, every seam, transition, and edge is backed for the life of the material.
Why is 10 lb padding worth prioritizing in a full-home renovation?
Because it’s the foundation everything else rests on. Denser padding protects the carpet backing from direct contact with the subfloor, extends the life of the fiber significantly, and provides acoustic performance that affects how the entire home feels day to day. It’s the part of the system that’s easiest to cut in a quote and most expensive to regret.
What happens if the project runs over the agreed timeline?
Our On-Time, On-Budget Guarantee remains in full effect. If we exceed the completion date confirmed in writing at booking, we pay you $200 for every additional day. A full-home renovation has enough variables without worrying about the flooring schedule slipping.
Can financing cover a combination of carpet and hard flooring across the whole home?
Yes. Our financing covers the full project scope across all rooms and material types, including subfloor preparation, moisture testing, padding, and installation labor for every space in the renovation.
Where is RTW Flooring located?
Our showroom is next to McGuckin Hardware in Boulder. Walk in anytime without an appointment, or reach out to schedule an in-home consultation and we’ll bring the samples to you.
