Financing Options
FOR HOME REPAIRS
Fix now. Pay over time.
Start repairs immediately with flexible financing options designed for emergency water, mold, and fire damage — plus optional home upgrades.
Zero upfront cost
No payments until the project is complete
Two Simple Ways to Pay
Low Monthly Payment Plan
(84 Months)
Great for long-term affordability and the lowest manthly payment
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Fixed interest rate with predictable monthly payments
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Lowest monthly payment option
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No promo windows, deadlines, or deferred interest
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Estimated payment factor: ∼1.7%
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Financing Access Fee: ∼6% (paid separately)
0% Interest
for 15 Months
Great for short-term financing with no interest if paid off within 15 months
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0% promotional interest rate for 15 months
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Smaller payments during promo period for flexibility
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After 15 months, payments include interest at your approved rate with no penalties.
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Financing Access Fee: ∼7% (paid separately)
Financing Calculator
What You Can Finance
ESSENTIAL REPAIRS
Everything needed to restore your home after water. mold, or fire damage-demolition, drying, drywall. flooring, cabinets, and reconstruction
OPTIONAL UPGRADES
Use financing to improve your home while repair work is already happening: new flooring, countertops, kitchen/bath upgrades, and premium materials.
Most homeowners combine repairs + upgrades into one simple financing plan.
How It Works
Apply & Get Approved
Fast, simple application -usually just a few minutes
Approve the First Project Draw
Confirms your financing; no money out of pocket.
We Begin Repairs
Our team starts your project right away.
Approve Progress Payments
You release each draw as work is completed.
Make Monthly Payments
Payments begin only after the final draw is released.
Why Homeowners Choose Financing
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Start work immediately
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No upfront cost or deposit
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Payments don't begin until the project is complete
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Avoid large deductibles and out-of-pocket surprises
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Bridge the gap while insurance processes your claim
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Upgrade your home during repairs
Frequently Asked Questions
Can I start repairs with no money down or upfront?
Yes. There is no deposit or down payment for either plan. Your first payment isn't due until the project is complete.
When do monthly payments start?
Monthly payments begin only after the final project draw is released.
Can I finance work while waiting for insurance?
Yes. Many homeowners start repairs now and pay off the balance once insurance funds arrive with no penalties.
Can I use financing for home upgrades?
Yes. You can finance optional upgrades such as flooring, cabinets, or kitchen/bath improvements - even if they're not part of the damage.
What's the difference between the two plans?
The 0% plan is best for short-term payoff (especially when waiting for insurance). The 84-month plan is best for long-term affordability with predictable payments.
What happens if I don't pay off the 0% plan in 15 months?
The remaining balance simply switches to regular monthly payments based on your credit tier. There are no penalties.
How fast is approval?
Approvals are usually instant most take just a couple of minutes.
What information do I need to apply?
Just basic info: name, address, date of birth, last 4 of your SSN, annual income, and mobile number.
Can I pay off my loan early?
Yes. There are no penalties for paying off early.
Can I finance deductibles or out-of-pocket costs?
Yes. Both plans can be used for deductibles, upgrades, or uncovered repair items
Not sure which plan is right for you?
We're here to help you explore your options and choose what fits your budget.
Call us anytime: (951) 297-3422