Your home doesn't have to wait. Your bank account doesn't have to suffer.
That new roof or home improvement project you've been thinking about may be closer than you realize. We've partnered with Hearth to help you explore financing options that fit your needs, your goals, and your monthly budget.
Soft credit check
Multiple lending partners
Compare your options
Possibly fast funding
Prequalification uses a soft credit inquiry that does not affect your credit score. It is not an approval, and there is no obligation to accept an offer.
Our financing partner
Meet Hearth
Hearth connects homeowners with a network of independent lending partners, so you can explore and compare financing in one place instead of contacting lenders one at a time.
If you decide to move forward, the lender handles the application, approval, and financing agreement.
We take care of your home. Your lender handles your financing.
What that means for you
Credit scores as low as 550
Qualifying applicants may be considered with credit scores as low as 550 through Hearth’s lending partners.
Soft-credit-pull prequalification
Checking your initial options does not affect your credit score.
Access to multiple lending partners
Hearth connects homeowners with a network of independent lending partners, all in one place.
Compare your options
Review any offers you receive side by side before you decide what fits.
Convenient online prequalification
Start online in just a few minutes, whenever it works for you.
Potentially fast funding
Some approved borrowers may receive funding quickly after approval, depending on the lender.
Prequalification
A soft credit inquiry that does not affect your credit score. It shows what may be available to you. Prequalifying is not an approval and does not lock in any terms.
Final approval
Comes from the lender after you complete their application, which may involve a hard credit inquiry. Rates, amounts, and terms are set by the lender and can differ from prequalification. Not all applicants qualify.
More possibilities for your home
A necessary project doesn't always arrive at the perfect time. Financing can give you flexibility to:
Address needed repairs sooner.
Spread project costs into monthly payments.
Keep savings available for other priorities.
Consider the complete project, including related improvements.
Compare available offers before deciding.
Borrow only what fits comfortably within your budget, and compare total borrowing costs along with the monthly payment.
Credit doesn't have to be perfect to explore your options
Scores as low as
550
Some of Hearth's lending partners consider applicants with credit scores as low as 550.
Your score is only part of the picture. Lenders also review factors such as income, existing debt, and the amount requested. Approval, rates, and available amounts vary. HELOCs and other products have separate eligibility requirements.
Personal Loans
Big home improvements. Manageable monthly payments.
Your home shouldn't have to wait for the perfect moment. Whether you're replacing an aging roof, upgrading your gutters, or tackling another important improvement, a personal loan may help you move forward without draining your savings.
Typically Fixed Interest Rates
Many personal loans offer fixed interest rates, meaning your rate stays the same throughout the life of the loan.
Predictable Monthly Payments
Know what to expect each month, making it easier to plan your household budget.
Flexible Financing Options
Explore financing options for projects both large and small, with loan amounts and repayment terms based on your qualifications.
Quick, Convenient Prequalification
See potential financing options through a simple online process without affecting your credit score.
Potentially Fast Funding
Some approved borrowers may receive funding in as little as 24 hours, depending on the lender and approval process.
HELOCs — Put your home's equity to work
Your home has been building value. A Home Equity Line of Credit may help you put some of that value toward the improvements you've been planning.
HELOC stands for Home Equity Line of Credit. Equity is the difference between your home's value and what you still owe on it, and a HELOC lets eligible homeowners borrow against a portion of that equity.
How equity adds up
Home value
$400,000
Remaining mortgage
− $250,000
Approximate equity
$150,000
A home worth $400,000 with a remaining mortgage of $250,000 has approximately $150,000 in equity. The amount available to borrow depends on lender qualifications and requirements.
Potentially competitive interest rates
A line of credit may carry a rate worth comparing with other ways to borrow.
Flexible access to an approved credit line
Once approved, you draw from your available line as your project needs it.
Financing possibilities for larger home improvement projects
A line of credit can be sized for bigger work, like roofing, siding, or windows.
Loan options based on available equity and lender approval
What you may borrow depends on your equity and the lender’s requirements.
A HELOC is a line of credit secured by your home. Rates, terms, and available amounts are set by the lender, and prequalification does not guarantee approval.
What about rates?
Your rate depends on your credit profile, income, loan amount, financing product, and lender.
Personal loans through Hearth
Starting at 6.99% APR
Hearth currently advertises personal loan rates starting at 6.99% APR for well-qualified borrowers. This is an advertised starting rate, not a typical rate or a guarantee. Your offer could be substantially higher.
APR means Annual Percentage Rate. It expresses the annual cost of credit, including interest and certain fees.
Compare the APR, fees, repayment term, and total repayment amount before choosing an offer. A smaller monthly payment over a longer term can mean paying more overall.
Getting started is simple
1
Explore your options
Use our Hearth link to begin the initial prequalification process.
2
Review available offers
Compare any offers you receive and decide whether one fits your needs.
3
Apply with your chosen lender
Complete the lender's application and review the final terms. A formal application may involve a hard credit inquiry.
4
Plan your project with Element Zero
Once financing and project details are confirmed, we'll help coordinate the next steps.
Your home doesn't have to wait, and your bank account doesn't have to suffer.
Let's make taking care of your home feel more manageable.
You don't need to have every answer before reaching out. Start with a project estimate, explore your financing options, and move forward when the plan makes sense for you.
Element Zero Roofing and Construction Inc.
Built Right, Not Twice.
Oregon CCB #263516
Footer disclosure: Financing is provided by independent lending partners and is subject to credit approval. Element Zero is not a lender. Hearth is a technology platform that connects consumers with lending partners and does not make loans or credit decisions. Rates, terms, fees, amounts, and availability vary and may change. Prequalification does not guarantee approval or final terms. Not all applicants qualify.
