Financing options through Hearth
Renovation financing
Home improvement projects do not always line up neatly with cash on hand. Seacoast Building & Design offers Hearth as a financing option so qualified homeowners can review monthly payment options quickly and move forward with repairs, renovations, and upgrades.
Why financing helps
Start important work without waiting on home equity.
Personal loan options can be a fit for urgent repairs or projects you want to start quickly. Hearth can show personalized payment options within minutes, while home-equity financing often involves longer underwriting and appraisal timelines.
Loan amounts up to $250,000
Affordable monthly payment options
Funding as fast as 1 to 3 days
No prepayment penalties
No home equity required
How it works
Four steps from options to funding
Apply
Check options
Review personalized loan options without affecting your credit score during pre-qualification.
Compare
Speak with a consultant
Get instant answers online or talk with a loan consultant about the options that fit your project.
Verify
Provide documents
Securely upload basic documents needed for loan verification and final approval.
Fund
Start the project
Most approved loans fund by ACH quickly, so urgent repairs and renovations do not have to wait.
Project fit
Use financing across Seacoast project types.
Financing can be discussed with most residential project quotes, from storm repairs to larger renovation and expansion work.
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?
Pre-qualification through Hearth is designed to show options without affecting your credit score. A hard inquiry can occur if you choose to move forward with a full loan application.
Why use an unsecured personal loan instead of home equity?
Unsecured personal loans can move faster because they do not require home-equity underwriting or appraisal. They can be useful for urgent repairs, storm work, and projects you want to start quickly.
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 monthly payment options with your quote?
Tell us what project you are considering and ask about Hearth financing when you request your estimate.