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Brookens Construction
4.9 Stars - Based on 118 User Reviews

Finance Your Next Project

Easy, convenient funding in 1-3 days.

How Our Financing Works

Financing made simple. Click here and follow the steps below to fund your next construction or renovation project.

Step 1

Complete your loan request and get free, personal loan rates from multiple lending partners in 60 seconds flat — without affecting your credit score.

Step 2

Review available payment options and choose the one that’s best for you.

Step 3

If approved, receive funding within 1-3 business days.

Step 4

Pay back the loan in predictable, fixed-rate monthly payments with no prepayment penalties.

FAQs

1

I have homeowners insurance or a businessowners policy. Does this exclude me from the financing conversation?

Your insurance might cover damage related to an unforeseen event, like a storm or fire. However, it probably doesn’t cover normal wear and tear to your home or multifamily building’s exterior. In that event, financing could be a good option for you.
In the event that your insurance does cover your renovation project, you might still need to pay a deductible. Financing can help you there as well.

2

Will checking available rates through hearth affect my credit score?

No — pre-qualifying through Hearth does NOT affect your credit score.

3

What are the advantages of a personal loan as opposed to a home equity loan?

The best part about a personal loan? Fast funding. You’ll likely receive the loan within 1-3 business days of being approved. A home equity loan, on the other hand, resembles a second mortgage — meaning a long application process (4-6 weeks), $300-$600 on a home appraisal, and hefty closing costs.

4

What factors do loan providers consider when determining if I qualify for a loan?

Personal loan providers will focus on three main factors: your credit score, your income, and your current debt.
Credit score: Lenders will look at your credit score to evaluate whether you’ll be able to pay them back. A credit score of at least 640 will give you access to more lending partners; however, there are some lending partners that will accept a score below 640. The better your score, the lower your rates.
Income: Lenders will evaluate your income to determine if you’ll be able to afford monthly payments. You’ll likely need to submit income verification, like a W-2.
Current debt: Lenders will look at your current debt to income ratio to determine the likelihood that you’ll be able to make monthly payments.

5

What is the APR on a personal loan to finance my renovation project?

The average annual percentage rate (APR) on a personal loan falls between 10% and 20%. This is the yearly cost associated with receiving the loan and includes interest and fees.

If you have more questions related to financing your next project, don’t hesitate to reach out.

Lisa Marie Avatar

I had severe ice dam problems at my new house I hadn’t even moved into! The same day I had called Aaron who had installed a roof at my previous home he spoke with my insurance company and facilitated the claim. On site Chad was a superb team leader and his partner did a great job. They were professional, trustworthy entering my property and respectful of my neighbors shared easements. It was a smooth process and they went above and beyond! They saved my home from future damage and have arranged for a plan to help me! Thanks Brookens!

Lisa Marie 2/19/2021
Martha Avatar

We had a new roof installed in July. We had some problems with our new gutters. Chad and Derek did a totally excellent job assessing the problem and fixing it quickly. They worked very hard and put up heat tape for us. They were very good problem solvers. Rosie Chee also did a fine job helping us communicate what we needed. Thanks to all at Brookens!

Martha 1/25/2021
Cindy L Avatar

Working with Aaron from Brookens Construction was a positive experience. Aaron performed an thorough inspection of our roof and noted specific concerns. Aaron was reliable, prompt, and responsive to all our questions. He always returned phone calls and/or texts in a timely manner. Aaron worked jointly with us and our insurance company to resolve the issues we were having with our roof. Aaron was kind, thoughtful, knowledgeable, professional, and very helpful throughout the process. The actual installation of the roof and gutters went well. All the workers were friendly and hard working. Chad, the supervisor of the crew, made sure we knew what was happening and kept us updated on the progress. We would not hesitate in recommending Brookens Construction for your needs. Thank you Aaron, Chad and crew for a job well done!

Cindy L 1/08/2021
Emily Ernster Avatar

Chimney Concepts has worked with Brookens Construction several times, and they are an absolute joy to work with. We highly recommend this company!

Emily Ernster 12/12/2020
Jimmie Poole Avatar

A family friend had hired Brookens Construction for some work needed done to thier home. Very impressed with the service and the employees performance. Both professional and respectfully personable. The whole experience seemed like it was family taking care of family. Great Job to the Brookens Construction Team!

Jimmie Poole 11/18/2020
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