Financing that fits your project.
Three honest paths: a home equity line, our in-house plan, or a seasonal promo. The right one depends on your equity, timeline, and how long you plan to hold the home.
HELOC. In-house. Seasonal promo.
Each has a sweet spot. We help you compare against your real numbers during the consult — no pushing you toward whichever pays us most.
Lowest rate. Longest path.
Best if you have 20%+ home equity and can wait 3–6 weeks. Variable rate, interest-only options, no prepayment penalty.
Fast funding. Fixed terms.
Best when you want one contract and one schedule. Fixed rate, fixed monthly, funds inside a week of contract signing.
0% intro. For 12 months.
Quarterly promo. Pay off the balance inside 12 months and pay no interest. After that the rate kicks in — read the fine print.
What does that look like?
Quick estimate. Slide the project amount and term — your monthly updates. Real terms come back with your pre-qualification.
Financing, plainly answered.
Will pre-qualifying hurt my credit?
No. Pre-qualification is a soft credit pull — no impact to your score. A hard pull only happens at final approval, with your written consent.
How fast does funding come through?
In-house plan: typically inside a week. HELOC: 3–6 weeks depending on lender. Seasonal promo: same as in-house.
What credit score do I need?
Our in-house plan accepts down to 640 FICO. HELOC depends on your bank — most ask for 700+. The seasonal promo typically wants 720+.
Can I combine financing with insurance proceeds?
Yes — common for storm-damage roofs. The insurance check covers the claim amount; financing covers any betterment / upgrades you choose.
Are there prepayment penalties?
No, on any plan we offer. Pay off early whenever you like.
Get pre-qualified in two minutes.
Soft credit pull, no impact to your score. Three options compared against your real numbers.
Loans subject to credit approval · Terms vary by lender · MHIC #157199