Complete this quick financing request to see what loan options you pre-qualify for. Seeing options won't affect your credit score!

Hearth makes it easy for you to find monthly payment options for your project, with:



  • Loan amounts up to $250,000
  • Affordable monthly payment options
  • Funding within 1-3 days
  • No prepayment penalties
  • No home equity required

Precise Remodeling & Construction partners with Hearth

To bring you monthly payment options for your project

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The Financing Offer You've Have Been Waiting For

Big news—Hearth just added a new HELOC lender that gives you access to lower interest rates, bigger loans, and longer terms.


Here’s what it means for you:


  • Rates as low as 6.99%
  • Terms up to 30 years
  • Tap into your home’s equity for bigger approvals (up to $250K)


Here’s where it gets even better—you can get funding 3X faster than the typical HELOC. Most have funds ready to go in just one week!


Homeowner need to meet specific criteria to qualify for HELOC financing:


Basic Requirements:


  • U.S. residents using their primary residence
  • FICO or VantageScore of 640 or higher
  • Verifiable income
  • Have equity in the home (loan-to-value under 89%)
  • All applicants and co-owners must be 18 or older
  • Available in most states, with a few exclusions: CT, DE, GA, HI, ID, IN, MD, MA, MO, MT, NV, NY, RI, SC, TX, VT, WA, and WV.


Additional Considerations:


Second homes or investment properties have extra requirements

Lines over $100,000 require proof of homeowner’s insurance

Valid government-issued ID required for all signers


The prequalification automatically generates offers based on income, homeownership, credit score, and existing debt obligations. This means you see realistic options upfront rather than getting surprised by qualification issues later in the process.