Financing options through Hearth
Renovation financing
Home improvement projects do not always line up neatly with cash on hand. Ask about options through Hearth when you request a Seacoast quote, then review the lender's rates, terms, disclosures, and eligibility requirements before deciding.
Why financing helps
Review the project and payment options together
Financing may help some homeowners plan repairs or improvements around a monthly budget. Hearth works with participating lenders; Seacoast does not make lending decisions or set the available rates and terms.
Review available options in one place
Compare rates, terms, and estimated payments
Choose whether to continue with a participating lender
Final approval and funding come from the lender
Ask Seacoast how financing fits your project quote
How it works
Four steps from options to project planning
Apply
Check options
Use Hearth to review financing options you may qualify for. Hearth will explain any credit-check requirements before you continue.
Compare
Review the details
Compare the rates, terms, estimated payments, and lender disclosures shown with the available options.
Decide
Choose whether to apply
If an option fits, continue with that lender and provide the information it requests for a final decision.
Fund
Coordinate the project
If financing is approved, let Seacoast know so the project schedule and contract can be coordinated with you.
Project fit
Ask whether your residential project may be a fit
Ask whether current Hearth options are available for the project in your Seacoast quote. Eligibility and the offers shown are determined by participating lenders.
What lenders review
Rates depend on your financial profile.
Creditworthiness
Lending partners review credit history and FICO score when deciding what offers and rates are available.
Income and employment
Income and steady employment help lenders understand whether monthly payments fit the borrower.
Debt-to-income ratio
Lenders compare monthly debt payments to monthly income. Lower ratios can help improve available terms.
Lender criteria
Each lending partner has its own underwriting model, specialty, and approval criteria.
Common questions
Financing FAQ
Does checking financing options affect my credit score?
Hearth will explain whether a step uses a soft or hard credit inquiry before you submit it. Review the disclosure shown with each option before continuing.
Will I need to use home equity?
That depends on the financing product and participating lender. Review whether an option is secured or unsecured, whether an appraisal is required, and every fee and disclosure before applying.
Does Seacoast make the loan decision?
No. Hearth works with lending partners that review applications and make credit decisions. Seacoast can help you understand how financing fits into the project quote.
Can financing be used for commercial or multi-family projects?
Ask us during quoting. Many residential home improvement projects are a fit, while commercial or larger multi-family work may require a different financing structure.
Important note
Hearth is a financing marketplace, not Seacoast's lender.
Hearth works with lending partners to show available financing options. Loans are subject to credit approval, and lending partners determine final rates and terms.
Want to discuss financing with your quote?
Tell us what project you are considering and ask how to review current Hearth options.