Financing
Home remodeling financing
Remodel now and pay over time. Through our financing partner Hearth, you can finance from $1,000 to $250,000 and check your rate in about a minute, with no impact to your credit score.
The promise
A remodel you do not have to wait for
Financing lets you do the whole project once, the right way, instead of shrinking the scope to fit cash on hand or phasing it over years. You still get everything we promise on the build.
Hearth financing at a glance
The numbers that matter
Payment calculator
Estimate your monthly payment
Move the slider to a project cost between $1,000 and $250,000, pick a term from 2 to 12 years, and set an estimated rate. This is an estimate only, your real numbers come from checking your rate with Hearth.
How it works
Financing through Hearth, in plain terms
Hearth is a financing platform that connects homeowners with lenders. We partner with them so you can compare real options quickly, without the runaround.
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Check your rate in minutes
Answer a few questions through our partner Hearth and see real options. It uses a soft credit check, so viewing your loan offers has no impact on your credit score.
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Financing from $1,000 to $250,000
Whether it is a single bathroom or a whole-home remodel, there is room to finance the full project. Amounts are subject to credit approval.
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Terms from 2 to 12 years
Choose a term up to 144 months so the monthly payment fits your budget rather than forcing the project to fit your cash on hand.
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No home equity required
The loans offered through Hearth are unsecured personal loans, so your home is not used as collateral and no lien is placed on your property.
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Use it on any of our services
Finance a kitchen, bathroom, or whole-home remodel, a home addition, or an ADU. If we can build it, you can finance it.
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Built for homeowners here
Financing through Hearth is available to homeowners in Bellevue, Seattle, Kent, and the surrounding area, the same places we build.
Getting started
From estimate to project in three steps
01
Get your estimate
Tell us about your project and we put together a free written estimate, so you know the real number before you think about financing.
02
Check your rate with Hearth
Use the calculator below to estimate a payment, then check your real rate through Hearth. It takes about a minute and does not affect your credit.
03
We start the work
Choose the option that fits, and we get to work. You make fixed monthly payments to your lender while we handle the remodel.
FAQ
Financing questions, answered
Will checking my rate affect my credit score?
No. Checking your options through Hearth uses a soft credit check, so viewing your loan offers has no impact on your credit score. A hard credit check happens only if you choose to move forward and formally accept a loan offer from a lender.
How much can I finance?
Financing is available from $1,000 up to $250,000 through Hearth, subject to credit approval. That covers everything from a single bathroom to a full home remodel or an addition.
What loan terms are available?
Terms run from 2 years up to 12 years (144 months). A longer term lowers the monthly payment; a shorter term costs less in total interest. The calculator on this page lets you compare.
Do I need home equity or collateral?
No. The loans offered through Hearth are unsecured personal loans, so your home is not used as collateral and no lien is placed on your property.
What can I use the financing for?
Any of our services: kitchen, bathroom, and whole-home remodels, home additions, and ADUs. You can finance the full scope rather than phasing the project to fit cash on hand.
Who is eligible?
Financing through Hearth is available to homeowners in Bellevue, Seattle, and the surrounding area, including Kent. Final approval, rates, and terms are determined by the lender based on your creditworthiness.
Is Bellevue Kitchen & Bath Studio the lender?
No. We are a licensed Washington remodeling contractor, not a lender. Financing is provided by independent third-party lenders through our partner Hearth. We do not make credit decisions, set rates, or guarantee approval.
Important: Bellevue Kitchen & Bath Studio is a remodeling contractor, not a lender. Financing is offered by independent, third-party lenders through our partner Hearth, and is subject to credit approval. We do not originate loans, make credit decisions, or guarantee approval. Financing is available from $1,000 to $250,000 with terms from 2 to 12 years; the annual percentage rate (APR), monthly payment, and final terms are determined solely by the lender and depend on your creditworthiness and other factors, so not all applicants will qualify and the terms you see may differ. Checking your rate through Hearth uses a soft credit inquiry that does not affect your credit score. The payment calculator on this page is for illustration only and is not an offer or commitment to lend.
Ready when you are
See what your remodel could cost per month
Check your rate through Hearth in about a minute, with no impact to your credit, or call us and we will walk you through it.