Smart Financing for Your Ultimate Maryland Outdoor Living Project

Don’t Downsize Your Dream—Build It the Smart Way

When you imagine your dream backyard, do you picture a full outdoor living room with space for your kids to play, your friends to gather, and your family to relax under the stars? Maybe there’s a beautiful composite deck, a custom patio with a fire pit, cozy lighting, and a built-in grilling area.

That vision is possible.

At Valley Deck & Patio, we help homeowners like you create high-end, luxury patios without blowing the family budget. The secret? Start with the big picture, then work with our expert team to build smart—whether that means financing part of your project or breaking it into manageable stages.

We’ve done this for hundreds of families across Baltimore County, Howard County, and Anne Arundel County. Let us do the same for you.

Start with the Full Vision—Not Just a Piece of It

One of the biggest mistakes we see homeowners make is starting small, without a plan for the whole space. You might want to “just add a patio” for now, then think about a deck or landscaping later. That sounds simple—but without a full design in mind, you can end up with mismatched materials, awkward layouts, or added costs down the road.

Here’s What We Recommend Instead:

• Design your entire outdoor living space upfront.
  Let’s map out your long-term vision—deck, patio, lighting, hardscaping, and all. This ensures every piece works together beautifully, whether you build it all at once or one phase at a time.
  

• Know your priorities.
  Do you entertain often? Need space for kids to play? Want a peaceful retreat to relax after work? We’ll help you rank what matters most so your project reflects your lifestyle.
  

• Plan for future additions.
  Even if you don’t build everything today, we’ll design with tomorrow in mind—leaving space, electrical access, or foundations in place for future features like hot tubs, pergolas, or outdoor kitchens.
  

With Valley Deck & Patio, you're not just buying a deck or patio. You're investing in a complete, luxury outdoor experience that grows with your family.

Make It Happen with Financing

We get it. A high-end outdoor space is an investment—and sometimes, the budget just doesn’t line up with the dream. That’s why we offer financing options to help you move forward with confidence.

With approved credit, you may be able to:

• Finance a portion of your total project cost.
  This lets you enjoy the full space sooner while spreading payments over time.
  

• Access promotional rates or special offers.
  Ask our team about current interest rates and seasonal financing deals.
  

• Keep your savings intact.
  Financing helps you avoid dipping into emergency funds or long-term savings for home upgrades.
  

• Stay on track with fixed monthly payments.
  Know exactly what to expect each month. No surprises.
  

How to Apply for Financing

Applying is fast, easy, and secure. We’ve partnered with various finance vendors to help you reach your goals.

Here’s how to get started:

1. Visit our Financing Page:
   Go to valleydeckandpatio.com/payments
   

2. Complete the online Finance application.
   The form only takes a few minutes.
   

3. Submit and receive a decision—typically in moments.

Please Note:

Valley Deck & Patio does not make lending decisions or provide funding. All applications are submitted directly to our financing vendors, with Valley Deck & Patio listed as your dealer.

Build Luxury in Stages—Only If It Makes Sense for You

Even with financing, some homeowners prefer to build in phases. That’s completely fine—especially when you already have a full plan in place.

If you're thinking about phasing your project, here's what we can do:

• Phase 1: Create the foundation.
  Build the deck or patio first. This gives you a functional space right away and sets the stage for what’s next.
  

• Phase 2: Add features.
  We’ll layer in fire pits, seating walls, lighting, or a pergola. Because we planned ahead, these upgrades will fit in seamlessly.
  

• Phase 3: Complete your outdoor retreat.
  Finish with landscaping, outdoor kitchens, or even a covered deck—without having to start from scratch.
  

You control the pace, the budget, and the outcome. We’re here to guide the process and ensure everything aligns with your big-picture goals.

Your Space, Your Family, Your Lifestyle

If you are like many homeowners in a single-family home with a yard, you probably bought your second home with dreams of more space, more comfort, and more time outside with your growing family. You want something above average, not over the top—but definitely better than builder-grade.

You don’t have to compromise on quality or delay your dream outdoor space.

With Valley Deck & Patio, you can:

• Start with a luxury design tailored to your family.

• Use financing to bring your vision to life sooner.

• Phase your project without sacrificing cohesion.

• Work with a team that understands Maryland families like yours.

  Schedule your consultation today →

Ready to Take the First Step?

Your backyard has the potential to become your favorite place to be. Let’s make that happen—together.

- Explore Our Luxury Patio Services 
- View Outdoor Kitchens & Fire Features
- Be Inspired with our Idea Book
- Schedule a Discovery Call