Let’s explore financing options for your project. We’ll help you compare pre-qualified rates in less than 2 minutes and offer helpful tips to match you to the right financing.
What is covered with Hearth?
3 Easy Steps to Apply
RAM Restoration, Inc has partnered with Hearth so we can help you find financing options that best fit your needs. We’ll help you compare pre-qualified rates in less than 2 minutes and offer helpful tips to match you to the right financing.
learn Financing Options with Hearth
Watch this two minute video clip to learn all about Hearth. Our technology matches you with competitive monthly payment options so you can finance your project. Your information is important and we protect it using industry leading encryption.
Get your project started as soon as possible by getting pre-qualified today.
Common Homeowner Questions:
No, when you complete the prequalification form, lenders perform a “soft” credit inquiry. This allows you to compare lender offerings without affecting your credit score.
Yes, all 17 of our lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.
An unsecured loan is not linked to a specific piece of property (“collateral”) that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.
Lenders look at many factors, including as your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.
You can usually expect to receive your money in as little as 1-5 business days.
In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.
Most of our lenders do not offer delayed funding, but please confirm with your chosen lender. For instance, at least one Hearth lender allows you to schedule the deposit 45 days after approval.
Yes, of course! Hearth’s offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.
Consider adding a co-borrower if you do not qualify for a loan or would like to see possibly lower APRs. You and the co-borrower would both sign the loan agreement and be liable for the loan.
Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.
Yes, if you did not see offers, you can fill out the pre-qualification form again and add a co-borrower. Adding a co-borrower may help you qualify for a loan or qualify for lower interest rates.
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