Financing
Home Improvement Financing
Your home shouldn’t have to wait. Caldwell Services has partnered with Hearth to offer monthly payment options on home improvement projects of all sizes.
The basics
What is home improvement financing?
Home improvement financing lets you pay for a project over time with fixed monthly payments, instead of paying the full cost up front. It works a lot like financing a car: a lender pays for the project, and you repay the lender on a schedule that fits your budget.
Through our partnership with Hearth, you can see personalized options from multiple lenders in one place, usually in about a minute, without it affecting your credit score.
Why finance
The advantages
Don’t wait on what can’t wait
A leaking roof or a rotting deck gets worse (and more expensive) the longer it sits. Financing lets you fix it now.
Keep your savings
Spread the cost into predictable monthly payments and keep your cash for emergencies.
Do the whole project
Get the kitchen you actually want, all at once, instead of doing it in pieces over several years.
Compare offers in one place
Hearth shows you options from multiple lenders so you can pick the terms that fit your budget.
How it works
Four simple steps
Get your estimate
Ben visits, scopes the job with you and gives you a free written estimate.
Check your rates
Fill out Hearth’s short form. Pre-qualification takes about 60 seconds and does not affect your credit score.
Pick your plan
Compare the offers you qualify for and choose the monthly payment that works for you.
We get to work
Once your financing is in place, we schedule the job and build it right.
Estimate your monthly payment
Use Hearth’s calculator to see what a project could cost per month.
Calculator not loading? Check your rates on Hearth (opens in a new tab).
Questions
Financing FAQ
Is Caldwell Services the lender?
No. Financing is offered through Hearth, which connects you with its lending partners. Caldwell Services does not lend money or make credit decisions. All financing is subject to credit approval by the lender.
Will checking my options hurt my credit score?
Pre-qualifying through Hearth does not affect your credit score. If you choose an offer and move forward, the lender will typically do a full credit check at that point.
Do I have to use financing?
Not at all. Financing is just an option for homeowners who would rather pay over time. You can always pay for your project directly.
What projects can I finance?
Financing can be used for the work we do, from kitchen and bathroom remodels to roofing, siding, decks, additions and more. Ask Ben about your specific project.
What rates and terms will I get?
That depends on your credit profile and the lender. Checking your rates with Hearth is the quickest way to see real numbers for your situation.
Financing is provided by Hearth’s third-party lending partners and is subject to credit approval. Rates, terms and loan amounts vary by lender and applicant. Caldwell Services LLC is not a lender and does not make credit decisions.
Let’s talk about your project
Tell us about your project. Ben will set up a time to come take a look, go over options and budget with you, and give you a free estimate.