REMODELING FINANCING
A Better Way To Budget
For Your Remodel
Bring your home improvement plans to life with flexible financing options through Hearth.
Secure Prequalification • Powered by Hearth
REMODELING FINANCING
A Better Way To Budget
For Your Remodel
Bring your home improvement plans to life with flexible financing options through Hearth.
Secure Prequalification • Powered by Hearth
Remodel Now.
Pay Over Time.
Your home is one of your biggest investments—and sometimes the right timing matters.
Through our partnership with Hearth, ACR offers flexible financing options that can make your remodeling project more manageable without requiring the full project cost upfront.
HEARTH
Financing Is Their Job.
Remodeling Is Ours.
ACR partners with Hearth so you can explore personalized financing options from a network of trusted lending partners.
You choose what works for you. Hearth and the selected lender handle the financing process while we focus on what we do best—your remodel.
FINANCING FOR
QUALIFYING PROJECTS
Bathrooms, flooring, interior renovations, and other qualifying home improvements.
0% FINANCING FOR
UP TO 18 MONTHS
Promotional 0% financing may be available to qualifying ACR customers.
CHECK OPTIONS WITHOUT AFFECTING YOUR CREDIT SCORE
Hearth uses a soft credit inquiry during prequalification.
FINANCING HANDLED THROUGH HEARTH
ACR does not make lending decisions or pull your credit.
FINANCING FOR
QUALIFYING PROJECTS
Bathrooms, flooring, interior renovations, and other qualifying home improvements.
0% FINANCING FOR
UP TO 18 MONTHS
Promotional 0% financing may be available to qualifying ACR customers.
CHECK OPTIONS WITHOUT AFFECTING YOUR CREDIT SCORE
Hearth uses a soft credit inquiry during prequalification.
FINANCING HANDLED THROUGH HEARTH
ACR does not make lending decisions or pull your credit.
WHAT CAN I FINANCE?
Financing Isn't Just for the Big Remodel.
Depending on the financing option and your qualifications, financing may be available for a variety of ACR home improvement projects.
Bathroom Remodeling
Finance a qualifying bathroom renovation or accessibility-focused update.
Flooring Installation
Explore financing for qualifying flooring projects throughout your home.
Multi-Space Projects
Explore options for qualifying projects involving more than one area of your home.
A home that works better for you is within reach.
HOW IT WORKS
From Remodeling Estimate to Financing Options.
Plan Your Remodel
Check Your Options
Compare Offers
Complete Your Application
Let's Get To Work
Start with ACR. We'll discuss your goals and create a construction scope and estimate.
Complete a secure prequalification form through Hearth. This uses a soft credit inquiry and does not affect your credit score.
Review available financing options if you prequalify. Rates, terms and amounts vary.
If you choose an option, you'll continue with the lender. A hard credit inquiry may be required at this stage.
Once financing and project details are in place, we'll schedule your remodel and bring your vision to life.
MONTHLY PAYMENTS
More Home Today.
Payments Over Time.
Flexible financing can help spread your remodeling investment over manageable monthly payments.
Approval, available promotional terms, and financing amounts vary by applicant and are subject to the terms of the applicable financing offer.
Common Questions
Financing FAQs
Straight answers to some of the questions we hear most from homeowners.
Does checking my financing options affect my credit score?
No. Hearth's prequalification process uses a soft credit inquiry, so checking available options does not affect your credit score. If you select an offer and formally apply, the lender may perform a hard credit inquiry.
Does ACR check my credit?
No. ACR does not pull your credit report or make lending decisions. Financing is handled through Hearth and participating lending partners.
Is 0% financing available?
Yes. ACR offers promotional 0% financing for up to 18 months to qualifying homeowners through Hearth. Approval and available terms vary.
What ACR projects can I finance?
Financing may be available for qualifying bathroom remodeling, flooring, interior renovations and other residential remodeling projects.
Do I have to finance my project?
No. Financing is simply an additional payment option available to qualifying ACR customers.
When should I apply for financing?
You can explore your options early if you'd like to understand your potential budget. Once your ACR project is scoped and estimated, you'll have a clearer idea of how much financing you may need.
Can financing cover change orders?
Potentially, but additional work is not automatically covered by your original financing. If your project cost changes, talk with ACR and Hearth about available options before assuming additional funds are available.
Who do I contact with financing questions?
Contact ACR with questions about your remodeling scope, estimate or project payments. Questions about financing offers, applications, credit decisions, rates or terms should be directed to Hearth or the applicable lender.
READY WHEN YOU ARE
Let's Bring Your
Vision to Life.
Flexible financing.
Expert remodeling.
A home you'll love.
