How long does the approval process take?

Most applicants see their personalized options within a few minutes. If you move forward and apply, full approval typically comes within the same day. Funds are deposited within 1, 3 business days of final approval.

What credit score do I need to qualify?

Hearth works with a range of credit profiles and connects you with multiple lenders to find the best available rate. There's no minimum score to check your options - the soft pull will show you what's available based on your actual profile.

Can I use financing for any Epp service?

Yes. Hearth financing applies to the full scope of what we do - foundation repair, basement waterproofing, crawl space encapsulation, concrete leveling, and framing repair. If we're doing the work, financing can cover it.

What if I'm not approved for the full amount I need?

Hearth connects you to multiple lenders, so you may see options at different amounts. If your approved amount doesn't cover the full project scope, give us a call - we've worked with homeowners to phase project timelines when that helps.

Is there a penalty for paying off the loan early?

No prepayment penalties. If you sell your home, receive an insurance payout, or simply want to pay it off early, there's no fee for doing so.

Financing · Powered by Hearth

Foundation repair shouldn't have to wait.

We've partnered with Hearth to offer flexible monthly payment options. check your personalized rate in minutes without affecting your credit score. No home equity required.

See My Payment Options 402-423-9192

What Hearth Offers

Monthly payment options built for home repair.

Up to $100,000

Loan amounts large enough to cover any scope of work

Flexible monthly plans

See options tailored to your budget - not a one-size-fits-all rate

Funded in 1, 3 days

Once approved, money arrives fast so work can start fast

No prepayment penalty

Pay it off early with no fees - the loan works on your schedule

No home equity required

Your approval isn't tied to your home's value or existing equity

How It Works

Three steps. No paperwork.

Foundation work can't always wait for the perfect financial moment. Hearth makes it possible to get started now and pay on a schedule that actually fits your budget.

01

Check your rate

Click the button, answer a few questions, and see personalized monthly payment options in about two minutes. No credit impact.
02

Pick your plan

Compare loan amounts and monthly payments across multiple lenders. Choose the option that matches what you want to pay each month.
03

We get to work

Once you're approved and funds land (1, 3 business days), we schedule your job and get started.

Apply Now

Find your payment plan.

Get the repair your home needs today. Personalized options in minutes. no home equity, no prepayment penalties.

Check My Rate. No Credit Impact

Loan amounts up to $100,000
Funding within 1, 3 business days
No home equity required
No prepayment penalties

Financing FAQ

Common questions about financing.

Don't see your question here? Our team is happy to help. Reach out anytime.

No. Hearth uses a soft credit pull to show you personalized payment options - it has no impact on your credit score. A hard pull only happens if you decide to formally apply for a loan.

Pricing ranges above are general estimates only and are not project quotes. A precise figure is provided on each written estimate after on-site inspection.

Reviewed by Dave Epp and the Epp team. Owner & President, nationally certified in helical piers, push piers, carbon fiber, and drainage systems.

Additional questions? Call us at 402-423-9192. we're happy to walk through how financing works before you commit to anything.

Customer Reviews

Over 1,750 homeowners have shared their experience.

A 4.9-star average across Google, with verified reviews from homeowners throughout Nebraska, Iowa, Kansas, and Missouri.

Read All Reviews

Free Estimate

Two ways to start: book instantly, or request an estimate.

Schedule your inspection in seconds with our Driive booking tool, or share a few details and a local specialist will follow up within one business day.

What to expect