Financing available
Don't put off the work over upfront cost.
Roofs fail, basements flood, and kitchens wear out on their own schedule — not yours. Financing is available for qualified homeowners so a necessary project doesn't have to wait for a lump sum.
The real problem
“I need the work done. I can’t drop $20,000 right now.”
That's the single most common reason a necessary repair turns into a bigger, more expensive one. A roof that needed shingles becomes a roof that needs decking. A small leak becomes a mold remediation.
Financing exists so the timing of the money doesn't decide the timing of the work. Applying through Hearth costs nothing and doesn't obligate you to anything — it just tells you what you qualify for.
Apply through HearthWhat we can tell you
- Financing is available for qualified homeowners
- Asking about it doesn't change your estimate
- Applications go through Hearth, our financing partner
- You can raise it any time before work starts
Rates, terms, and approval are set by Hearth's lending partners based on your credit — so we don't publish numbers we can't promise. Apply and you'll see your own options.
How it works
Estimate first. Financing second.
Get your estimate first
We inspect, scope the work, and give you a written number. Nothing about financing happens until you know what the job actually costs.
Ask us about options
Tell us financing is on the table and we will walk you through what is available for a project your size, and what the application involves.
Apply and get a decision
Apply online through Hearth, our financing partner. Approval, terms, and rate are set by their lending partners based on your credit — not by us.
We schedule the work
Once funding is sorted, the job goes on the calendar like any other. Same crew, same warranty, same process.
What homeowners finance
The projects most worth not delaying.
Roof replacement
A failing roof does not wait for a good month financially. Spreading the cost is usually cheaper than the water damage that comes from putting it off.
See details →Kitchen & bathroom remodels
The projects most likely to be delayed for years over cost, and the ones that most change how the house feels day to day.
See details →Basement finishing
Adds usable square footage without an addition. One of the better returns per dollar in the house.
See details →Major reconstruction
Large rebuilds, structural work, and projects where an insurance settlement covers part but not all of the cost.
See details →Common questions
Straight answers.
Does asking about financing affect my estimate?
No. The estimate is the estimate — we price the work the same whether you pay directly, finance, or go through insurance.
What does financing actually cost?
Rate and term are set by Hearth's lending partners based on your credit, so there is no single answer we can publish honestly. Applying through Hearth is free and shows you your own numbers.
Do I have to decide right away?
No. Get the estimate, take it home, think about it. Financing is an option you can raise at any point before work starts.
Can I finance part of an insurance claim?
Often, yes — deductibles and any work beyond what the carrier covers are common reasons homeowners ask. Bring your adjuster paperwork and we will look at it together.
Start with the estimate.
Free inspection, written scope, no obligation. Bring up financing whenever you're ready — before, during, or after.
Financing is offered through Hearth, a technology company licensed as a broker as may be required by state law. Hearth does not make loans or credit decisions; rates, terms, and approval are provided by Hearth’s lending partners and are subject to credit approval. Kelly Construction Inc. is not a lender and does not set financing terms. Hearth NMLS ID #1628533.