Build Now.
Pay Over Time.
Get pre-qualified in minutes through our financing partner, Hearth. No impact to your credit score. See your rate, choose your terms, and start building while everyone else is still saving.
What Does Your Building Cost Per Month?
Pick a price, choose your terms, and see your real monthly number
Three Milestone Payments
Your payments align with your project progress. No surprises.
Stop Saving. Start Building.
How It Works
From quote to breaking ground in four steps
Financing FAQ
Hearth works with borrowers starting at 550 FICO. Higher scores get better rates. Even fair credit can qualify -- just check your options.
No. Pre-qualifying uses a soft credit check that doesn't affect your score. Only when you accept an offer and move forward does a hard pull happen.
Most customers get funded within 24-48 hours of approval. Some loans take up to 7 days. Either way, faster than traditional bank loans.
Yes. No prepayment penalties. Pay it off anytime without extra fees. Many customers use the 0% promo period to pay in full before interest starts.
You still have options. We can discuss cash pricing, payment plans, or help you work on improving your credit for 6 months then reapply.
Absolutely. Hearth is a licensed loan broker (NMLS #1628533) that partners with 18+ established lenders. They've funded billions in home improvement projects since 2019.
Ready to Get Started?
Get your building quote first, then see your financing options. Or call us and we'll walk you through both.
Rates range from 7.99% to 35.99% APR based on credit profile. 0% promotional rates available for qualified applicants. FICO scores as low as 550 considered. Terms from 1-12 years. All loans subject to credit approval.