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Financing is a great way to use money from a loan while keeping investment earnings going. This is particularly true if your investment earnings are out preforming the loan. If you have a large investment in a non-IRA, you might just take out a margin-loan at Prime + 2% and quickly pay it back. Before you do something like this you will want to talk to your investment manager.
You could go to the bank and take out a traditional loan against your home. This will take time. The lender may require pay stubs from the last 30 days, W-2 forms, signed federal tax returns, documentation of other income sources, bank statements, social security numbers, proof of identity, possibly other document details, and a possible home assessment. You need to make sure your information is accurate and complete, as incorrect information could result in a denied application. Your personal situation could affect which documents you need to supply–such as being self-employed, having irregular income, or having non-wage income. This can take a lot of time and could affect your credit score.
You may have that hidden “rainy day fund” that you have been stashing away to help pay for the roof repair. The problem with roof repair emergencies is that it costs a lot of money. If you have a water leak into your home it can start ratcheting up from hundreds to thousands of dollars. Right away you may find that the “rainy day fund” is not fully funded for the work necessary.
In addition, all roofing companies want to be paid once the job is complete. Letting your contractor know exactly where you stand on this issue is beneficial for you. We want to help you fix your home and we want to be assured that we will be paid. A roofing contractor pays a lot of money for labor, materials, and insurance.
This is why we are offering this financing solution with Hearth.
Ethical Exteriors has an easy application process for financing through Hearth. In addition, this solution has a soft pull on your credit so it will not hurt your current rating. The entire process is quick and painless for any emergency roof repair you might have. You can fill out the application online or meet with our representative while they are inspecting your home and creating a quote. You will know right away if you are approved. Once you are approved you can use the funds for any roof repair or roof replacement needs you might have.
When an Ethical Exteriors client applies for financing through Hearth, it is quick and easy. First thing you will need to do is get us starting on inspecting the property and creating a quote. You can do that by filling out a quote request form. Once you have your inspection and quote, simply add the amount you need to finance options on the Hearth Financing Ads. Select your credit score, and see your estimated monthly payment. You can then click the “Get Financing Options” button to progress through the application.
No home equity is required. There are no payment penalties. You will receive your personalized monthly payment options within minutes without affecting your credit score.
Easily find monthly payment options for your project, with:
Up to $100,000 loan amounts
Funding within 1-3 days
Affordable monthly payment options
No prepayment penalties
No home equity required
Once you are approved, the credit can be used in conjunction with your roofing project and our other services such as skylights, fascia replacement, attic insulation, ventilation, and gutters.
Fill out the form below to get your 10 point roof inspection and free quote started today.
If you desire financial options with Hearth, we would be happy to talk with you, call us at (888)-GoRoof-0. to find out more right away.
It’s easy for homeowners to forget about or delay repairing or replacing a roof until significant warning signs force a repair. When water is showing up inside the home on the ceiling or wall it could mean that serious damage has occurred. You will want to protect your most important asset by getting this fixed as soon as possible. We make the process easy to get started.
If you are in the process of selling your home, explore the zero-percent financing for your home. This could provide up to $35,000 in needed improvements at zero percent Annual Percentage Rate (APR) for up to 18 months. Perform the needed “Fixer-Upper” requirements, then sell the home and pay off the credit card. Check it out on the Hearth “Explore 0% APR Financing of Your Project” ads on this page. The same is true with the 60-second pre-qualification process that does not affect credit scores.
If you’ve budgeted funds for roof maintenance or repairs, that’s great, but most homeowners are left without sufficient funds for this type of roof emergency. Even when your roof project is covered by your insurance, you may still have an unexpected deductible to pay; or you may desire to upgrade your roof to a high-quality roofing material.
Ethical Exteriors’ financing offer, through Hearth, can benefit you by providing low monthly payments. This enables you to pay your roof off in installment amounts that are affordable and keeps you paying thousands of dollars for a roofing project in one lump sum.
We have loans that delay a lump sum payment while avoiding interest. Checkout our 0% financing option with Hearth. Loans that offer six months of no interest and no payments may be exactly what you need to permit you to build cash reserves in order to pay the loan off (interest-free) any time before the six months are up.
There are loans that will allow you to hold off making payments for a number of months. After that time is up, you will begin making regular payments.
Applying for Home Improvement financing is a quick and easy process. We provide the portal on this page to get the process started and everything is very secure. You can also call us to get the process going. The process is simple, the paperwork is minimal, and you will know the results in minutes.
You can choose to go with a 120-month term or longer. Loan terms do vary by the lender you select in the Hearth Portal. Having a shorter loan term means you can likely pay less in interest, but the longer terms enable you to have the option of more affordable monthly payments.
