We get it. Most homeowners don’t wake up excited to foot the bill for a new roof. But the fact remains: if you need one, waiting is a terrible idea. Because when it comes to a worn-out exterior, the problems only get worse.
But there is some good news.
These days, there are plenty of trusted financing options available to most homeowners. And in this article, Smucker Exteriors is introducing a favorite of ours: Hearth Financing.
Hearth offers one of the smartest, fastest, and simplest ways to finance your new roof—so you don’t need to worry when unexpected repairs rear their head.
What is Hearth Financing—and How Does It Work?
Hearth Financing is a lending platform designed specifically for home improvement projects. The platform connects you with a wide network of reputable lending partners, while helping you determine the best match for your situation.
In other words, Hearth is not a lender itself. The platform acts as a filter that vets lenders at the highest level. Then helps you compare matches side-by-side.
Here’s why Smucker Exteriors loves Hearth for our homeowners:
- Their 60-second pre-qualification process
- Soft credit checks that don’t affect credit score
- Loan amounts covering most roofing projects
- Funds are usually delivered within 24 hours
- No home equity required
All without sales pressure or needing to risk your home as collateral.
Why Consider Hearth vs Home Equity or Credit Cards?
Many homeowners assume the choices for financing a roof are between home equity or high-interest credit cards. However, Hearth gives you another option: personal loans with predictable payment plans.
Here’s why that matters:
- No home equity required: Not all homeowners have equity to tap into—and personal loans through Hearth are unsecured, meaning your home isn’t at risk
- You can budget confidently: Hearth offers fixed monthly payments—meaning no surprises and no rate increases… ever
- Early repayments without penalty: Unlike some lenders, Hearth allows you to pay off loans early without additional fines
- Apply once and choose between lenders: Compare offers from several lending partners at once—without multiple applications or credit checks
How Much Can I Borrow Through Hearth?
Hearth connects users with loan options ranging from a few thousand dollars to larger sums of even $250,000.
Your maximum loan amount will depend on several factors, including:
- Credit score
- Current income
- Existing debts
- Loan term length
For more information, swing by Hearth’s information on rate factors here.
When Does Financing a Roof Through Hearth Make Sense?
It isn’t always wise to finance—especially if you have the funds to pay for a new roof in cash.
However, there are several situations where financing through Hearth isn’t just helpful—it’s a smarter decision long-term.
- You need repairs immediately: Roof leaks and structural issues worsen quickly—financing helps you act fast without draining your savings
- Insurance deductible is unexpectedly high: Even covered claims can leave you with a deductible that’s thousands of dollars—personal loans help bridge the gap
- You’re protecting your emergency fund: If emergency funds are limited, you may be better off saving them for true emergencies—not roofing replacements
- Home equity timeline is too slow: Home equity can take weeks before receiving payments—Hearth’s loan partners often fund within 24-48 hours
- You’re selling your home: A new roof increases resale value and buyer confidence—financing lets you upgrade now and recoup value later
What Should You Consider Before Financing Your Roof?
When considering financing your roof, the right questions are imperative—and a few smart steps will help you secure the right loan for your situation.
Ask yourself:
How much will your new roof cost?
An accurate estimate from a licensed roofing contractor is essential before securing financing. Many contractors offer multiple roofing options (e.g., asphalt, architectural shingles, metal, rubber, etc.), and it’s absolutely necessary to understand your roofing budget before considering a loan.
Will insurance cover the roof?
If part of the reason you’re replacing your roof is storm damage, your insurer may cover part of the cost—minus the deductible.
What is your credit score?
Generally, higher credit scores qualify for better APRs, but Hearths’ network includes lenders for a wide range of credit situations. (Get more information here.)
What are your loan options?
Hearth provides you with multiple lenders and terms, making it easy to compare and choose the best match for your financial comfort.
How Do I Apply for Roof Replacement Financing Through Hearth?
Here’s the homeowner-friendly version of applying for financing through Hearth:
- Complete Hearth’s fast and secure pre-qualification form (takes about 60 seconds)
- Review your personalized loan options to compare rates, terms, and monthly payments—all free
- Choose the best loan for your budget
- Receive funding in as little as 24 hours
- Pay your roofer in full so they can get to work
- Repay your loan in fixed, affordable monthly payments!
How Does Hearth Compare to Other Financing Options?
The truth is, there are plenty of financers eager to fund your home improvement projects. However, Smucker Exteriors confidently recommends Hearth for our homeowners—here’s why:
- It’s fast
- It’s flexible
- It’s safe
- It’s simple
And it’s helped scores of our clients secure the funding they need to get a solid roof over their heads.
So…
How Should You Finance Your New Roof?
The Smucker Exteriors crews know how important your home is. It’s where you and your loved ones live. It needs to be kept safe and dry. Sometimes, that means updating old work.
And even if you’re on a tight budget, you can still get the work done you need with honest, safe, and secure lending—the reason we wholeheartedly recommend Hearth Financing for just about any of our clients.
Because at the end of the day, you deserve a home you’re proud of. And your home—and everyone inside—deserves to be taken care of before trouble strikes.
So don’t wait until you’ve sprung a leak. Reach out to Hearth today and get the repairs you need to keep your home in tip-top shape.
