REMODELING

PAYMENT OPTIONS

Debit Card

Are you ready to pay for your dream renovation? We accept checks and debit cards. 

Credit Card

K.M. Cash Remodeling accepts all forms of credit cards including Amex, Mastercard and Visa. 

Insurance Agent

We have partnered with Hearth Financial to offer you financing for your dream renovation.

 

Financing your renovation

We’ve partnered with Hearth to bring you financing options for your upcoming project. A loan through Hearth helps you pay for your project through predictable, monthly payments without tapping into your home equity.

Is a loan through Hearth right for you?

1. You would like to start your project sooner. 

Funding is usually available within 1-3 business days.

2. Predictable monthly payments, with fixed rates.

Fixed monthly payments and no prepayment penalties when financing through Hearth.

 

3. You don't want to use home equity to finance the renovation.

Financing your renovation or home addition can be done through Hearth Financing

without​ tapping into your home equity.

The process to financing your upcoming renovation

STEP 1.

COMPLETE LOAN REQUEST

Pre-qualifying through Hearth does not affect your credit score.

 

Simply answer a few questions to see available rates.

STEP 2.

REVIEW LOAN OPTIONS

If you are eligible, you’ll view personalized options from multiple lending partners.

 

You can choose which one best suits your needs, then simply apply with the lending partner.

STEP 3.

APPROVED FINANCE

Congratulations!

 

If approved, you will typically get the funds in your account within 1-3 business days.

Your questions answered

What kind of loans are available through Hearth?​

Hearth’s lending partners offer installment loans.

 

These loans have fixed monthly payments, terms that are usually between 3 and 7 years, no home equity requirement, and no prepayment penalties.


What does “getting pre-qualified” mean?

After you answer a few questions, Hearth will send your information to its network of lending partners. Within seconds, they will check your eligibility and show you available options.

 

Seeing rates does not affect your credit score. You can then submit a loan application with your chosen lending partner, which will affect your credit report just like any loan application.

What rates should I expect?

Installment loans have interest rates to enable quick funding and predictable payments. Hearth’s lending partners consider factors such as income, FICO score, credit history, outstanding debt, and the loan amount requested when determining these rates.

Hearth has 3 rate plans that let you know what to expect when you pre-qualify. You’ll likely see options with APRs in the ranges listed below, but may receive options with lower or higher APRs.

Hearth Financing Table for Renovations i

*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who submitted a loan request.

**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users with minimum APRs between the 10th and 75th percentiles.

***For example, a loan in the amount of $10,000 for a term of 5 years with an APR of 6.00% would be repaid over 60 monthly payments in the amount of $193.33.

Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval.

DISCUSS YOUR PAYMENT OPTIONS TODAY

Call us today: 757-278-4036

439 South Witchduck Road

Virginia Beach VA 23462

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