How it works
- 1Get the free estimate firstYou need a real number before financing means anything. No obligation.
- 2Check your optionsThe Hearth application takes about a minute. Seeing your pre-qualified offers is a soft credit check — it does not affect your score.
- 3Pick your termReal offers from real lenders, side by side. Shorter term, less interest; longer term, smaller payment. Your call.
- 4We start workYou pay the lender monthly. One roof, one predictable payment.
Financing through Hearth
- See monthly payment options in about 60 seconds
- Checking your options does not affect your credit score
- Works for full roofs, gutters, repairs — or just your insurance deductible
- Offers come from a network of lenders, so you compare instead of taking one bank’s answer
Straight talk about financing
Financing costs money — that is what interest is. If you can pay cash, pay cash. Where it genuinely helps: a roof that is actively leaking and cannot wait, a deductible you don’t have sitting in the bank, or an upgrade to a longer-lived material that costs more now and less over twenty years.
Questions
Do I have to finance to get a quote?
No. The estimate is free and carries no obligation. Financing is an option if you want it, not a condition of anything.
Does checking my options affect my credit?
No — seeing your pre-qualified options through Hearth uses a soft credit check, which does not affect your score. A hard check only happens if you accept a specific loan offer, and the lender tells you before that point.
Can I use an insurance payout and finance the rest?
Yes, and it is common. If your claim covers part of the work, financing can bridge your deductible or any upgrade beyond what the carrier approved.
Who is actually lending the money?
Hearth is a financing marketplace, not a lender — it matches you with offers from its network of lenders. All terms, rates and approval decisions come from the lender you choose, and are shown to you before you commit.
Financing is provided through Hearth by third-party lenders, not by Diversity Contracting. All terms, rates and approval decisions are set by the lender and subject to credit approval. Hearth shows you each lender’s terms before you commit to anything.