Residential/Homeowner Financing

At Multi-Family Roofing, we understand that replacing or repairing a roof can be a big investment. That’s why we’ve partnered with Hearth — to make high-quality roofing options accessible, affordable, and financially manageable for homeowners.

What is Hearth?

Hearth helps homeowners make smart financial decisions about their home improvement projects. We connect homeowners to financing options that meet the needs of almost any project, and we get it done quickly so you can get on with the job.

How Does it Work?

Pay for your project with predictable monthly payments without tapping into your home equity.

Check rates in less than 2 minutes
Loans typically fund in 1-5 days
Fixed monthly payments
No prepayment penalties

What are my Financing Options?

Hearth matches you to offers from 17+ lenders through one simple form — no impact to your credit until you choose an offer.

Personal Loans – Up to $250K | 550+ credit | Funded in 1–3 business days | Great for most projects.
0% Credit Cards – Up to $15K | 680+ credit | 0% APR for 6–21 months | Best for smaller jobs.
HELOCs – Up to $250K | 640+ credit | Longer repayment terms | Ideal for large remodels.
^{HELOCs Available in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SD, TN, UT, VT, VA, WA, WV, WI, WY.}
^{HELOCs Not available in: DE, HI, MA, MT, NV, NY, RI, SC, TX.}

What rates should I expect?

Credit Range

Pre-qualification Rate

Estimated APR Range

Loan Amount

Loan Term

Lending Partners

Excellent
850 – 741

89%

7.99% – 19.07%

$1,000 – $250,000

2-12 Years

Good
740 – 681

80%

10.54% – 26.70%

$1,000 – $250,000

2-12 Years

Average
680 – 681

70%

16.85% – 34.83%

$1,000 – $100,000

1-7 Years

Poor
660 – 550

58%

20.50% – 36.99%

$1,000 – $50,000

1-5 Years

Can you explain the application process?

Get Pre-Qualified – Fill out this short form (soft credit check).
Review Offers – Sort by monthly payment, APR, or term length.
Choose Your Offer – This is when a hard credit check happens.
Complete Lender Application – Answer a few final questions and upload proof of income (pay stubs, W-2s, bank statements).
Funding – Personal loans are deposited into your bank account; 0% credit cards are mailed to you.

How do I get the best offers?

Loan Size – Request no more than ~1/3 of your annual income. Example: $100K income → $25K–$33K loan request
Add a Co-Borrower – Especially for larger jobs or borderline credit; use the strongest applicant first.
Unlock Your Credit – Locked or frozen credit will block approvals.
Enter Accurate Info – Typos in income, address, or name can cause delays or denials.
Check Your Credit First – Use free tools like Credit Karma or your bank’s credit monitoring to confirm your score.
Understand DTI (Debt-to-Income) – Lower DTI means better approval odds and rates.

How do I avoid late-stage delays?

Top 4 reasons applications get stuck or denied:

Credit is locked/frozen.
Income entered incorrectly or inconsistently.
Loan request is too high for income.
Debt-to-income ratio is too high.

Why DTI Matters
Debt-to-Income Ratio (DTI) = Your total monthly debt payments ÷ your gross monthly income. Example: If you make $5,000/month and have $1,500/month in debts (loans, credit cards, etc.), your DTI is 30%.

Lenders use DTI to see if you can handle a new loan payment on top of your current obligations.

Lower DTI = Less financial strain → higher approval odds and better interest rates.
Higher DTI = More financial strain → harder to approve or may lead to higher rates.

Why should I break it into Payments?

Get the full project done now — no cutting corners.
Spread cost over time without draining savings.
Afford better materials or upgrades.
Avoid maxing out credit cards.