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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.

Randy Zielicke Avatar
Chuck stopped by and offered to do a roof inspection. After I confirmed that the company was local in Appleton, I allowed him to go on the roof. He confirmed we had hail damage and provided a report to what he found. The insurance adjuster could see it from the ladder before going on the roof.
Chuck was great to work with and always professional, and very friendly. He helped us with our insurance claim, pick the right color shingle and gave us some job addresses that had our shingle choices installed that we coud see what the roof looks like completed.
The team of roofers arrived before 7 a.m. and were here to get the job done. Our 3 bedroom house with a 2 car attached garage and our 2 car garage in the back yard was completed by 12:45 pm. 5 3/4 hours to complete the job and do all of the cleanup. The roofing team did an awesome job. They new roof is perfect.
Brookens Construction is good company and I would absolutely recommend them to family and friends!
Randy Zielicke 11/11/2022
John Nelson Avatar
Brookens Construction did a roof replacement for me in June of 2022 . I met Barry who did a lengthy inspection of my roof then showed me the damage,Barry met with the insurance adjuster and got this project scheduled. A job well done from Barry to Don the project manager and his hard working roofing crew. Everything was done with Quality workmanship and materials. I was very pleased how the roof replacement went and hired them to do the roof on my mothers house. Thanks to Brookens
John Nelson 8/29/2022
Bk Shuffle Avatar
Brian McGuire was the salesman who came to our house the day after a hail storm. He was awesome and provided a detailed pdf report. The install crew was great. Cameron, the Project Manager, was on-site for the duration of the work and then performed a detailed review and walk-through of the finished work. Cameron was a great communicator abs kept us informed. Lastly, Ashley Cox was an office contact as we had questions leading up to the actual days the work was performed. Her responsiveness to our email questions went way above expectations (emailed back once at 8am on a Sunday morning). The entire experience with Brookens was terrific and would highly recommend them.
Bk Shuffle 8/26/2022
Gary Keller Avatar
We initially met with Aaron and everyone we dealt with from that point on was very professional and timely. Tyler and Norman were amazing to work with, and I can’t say enough on how Norman’s crew did installing our new roof. They tore off and installed 50+ square of roofing on a complicated roof line in just under a full day because of rain in the early morning. Constant communications and follow up has been above and beyond what I typically see from businesses today.
I highly recommend Brookens construction.
Gary Keller 8/10/2022
Danielle Sievert Avatar
Kevin Gutierrez and Brookens Construction exceeded my expectations with my recent customer experience from start to finish. When he first arrived, Kevin not only provided a through inspection of my property after a hail storm hit my home. but he took the time to show and explain his findings. Further, he explained the process of filing a claim with my insurance agency and provided copies of the photos and assessment he provided.

He explained the options and process for repair and took my input when offering a quote for remedy of the damage. When I ran into problems when the independent adjuster came and under cut the damage Kevin and the Brookens team countered and worked with my insurance company. They advocated for me and my consumer rights. The adjuster sent did not even step in the roof so the support documentation, photos and knowledge that Kevin had shared at the initial visit helped me to get the full claim amount owed for the damage caused by the storm. None wants to have to use their insurance for a claim, but when damage results it is important to have someone in your corner to make sure you get what is due.

The quality work, care to my property, attention to care and clean up and follow up and responsive communication really set Brookens and Kevin a part from others. It is with highest confidence that I recommend Kevin and his team.
Danielle Sievert 7/26/2022
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