What You Need to Know About Rates
What Your Homeowners Will Pay: Understanding Financing Rates | Hearth What Your Homeowners Will Pay: Understanding Financing Rates When homeowners apply for a loan to pay for your work, they see an Annual Percentage Rate (APR). This number tells them how much the loan will cost each year. If you’re selling financing to your clients, […]
How to Prepare For a Slow Season: Leveraging Financing to Keep Jobs Coming In
Every contractor knows the feeling: that post-holiday lull in January, the quiet weeks before tax returns hit, or the slowdown that sneaks in late fall. Seasonal dips are part of the job—but they don’t have to mean fewer projects. With the right financing strategy, you can turn predictable slowdowns into opportunities to fill your schedule […]
How to Increase Your Close Rate with Professional Quotes
When a potential customer opens your quote, they’re not just looking at numbers—they’re making a decision about trust, value, and whether they feel confident hiring your business. Improving your quote presentation is one of the fastest ways to increase your close rate, especially in industries like home improvement, remodeling, and specialty contracting. The reality is, […]
Welcome to Hearth 2.0: A Game-Changer for Contractors
Discover Hearth 2.0’s new all-in-one platform for contractors with enhanced client management, streamlined document sharing, and improved project tracking. Learn what’s available now and what’s coming soon.
5 Easy Ways to Train Your Sales Team on Offering Financing
Offering financing can be a powerful tool to boost project sizes, improve close rates, and make home improvement more accessible for your customers. But simply having a financing program in place isn’t enough—your sales team needs to know how to talk about it confidently and effectively. If you’re a contractor using Hearth, your financing solution […]
What Is a HELOC?
When homeowners are looking for ways to fund a home improvement project—whether it’s a new fence, roof replacement, or a kitchen remodel—they often come across something called a HELOC. But what exactly is a HELOC, and is it the right option for every homeowner? In this installment of our Financing Fundamentals series, we’ll break down […]
How Second-Look Financing Helps Contractors Book More Jobs
Picture this: you’re about to close a deal with a homeowner who needs your services. It’s a big job, and the best way to move forward is to offer financing as a payment solution. Suddenly, they don’t qualify. Maybe this won’t work out after all. Fortunately, there’s another option. At Hearth, we provide second-look financing […]
How to Close High-Ticket Deals Faster with Simple Financing Plans
Big-ticket home improvement projects—like full-scale renovations, kitchen remodels, and major HVAC system upgrades—are significant financial commitments. Even homeowners who understand the value of these projects may hesitate when faced with a large upfront cost. Many contractors assume that high prices alone are the issue, but the real barrier is often how the price is presented. […]
March 2025 Hearth Product Updates
In home services, every call is a potential job—and every missed call is a missed opportunity. In fact, 60–70% of customers who reach voicemail never call back. Whether you’re in the field, off the clock, or simply overwhelmed with peak-season volume, letting even one call slip can cost you thousands in lost revenue. That’s why […]
The Psychology of Financing: Why Customers Prefer Monthly Payments
When homeowners say “That’s more than I expected,” what they really mean is: “That’s more than I can comfortably pay right now.” It’s not that they don’t see the value of the service — it’s that large, upfront costs trigger financial hesitation. That’s where customer financing comes in; not just as a payment option, but […]
