Am I required to accept a financing offer?

No. Reviewing available financing options does not require a homeowner to accept a lender offer or enter into a project agreement with Sheppard Exteriors.

Financing Options | Sheppard Exteriors | Roofing & Exterior Projects

Q: Is zero percent financing guaranteed?

No. Zero percent refers to qualifying introductory APR credit card offers. Availability, promotional period, ongoing APR, credit limits, fees, and other terms depend on the card issuer and applicant qualifications.

Flexible Payment Options

Make Your Roofing or Exterior Project Easier to Plan

Sheppard Exteriors has partnered with Hearth to help qualified homeowners explore financing options for roofing and exterior improvement projects. Review available options through Hearth before deciding how you would like to move forward with your project.

Financing for Roofing and Exterior Improvements

A new roof, siding replacement, updated windows, or another exterior improvement can be an important investment in your home. Financing may allow qualified homeowners to move forward while paying for an eligible project over time.

Explore personalized financing offers from participating lenders.
Check available options through Hearth using a soft credit inquiry that does not affect your credit score.
Review loan options and qualifying 0% introductory APR credit card offers when available.
Compare available payment structures before selecting an option.
There is no obligation to proceed with Sheppard Exteriors merely because you explore financing.

START YOUR APPLICATION REQUEST A PROJECT ESTIMATE

The financing application opens securely on Hearth's website in a new browser tab.

How the Financing Process Works

Plan Your Project

Contact Sheppard Exteriors to discuss your roofing or exterior project and request an estimate.

Explore Options

Use the Sheppard Exteriors Hearth link to check personalized options from participating lenders.

Choose What Fits

Review the rates, terms, payments, and lender disclosures before deciding whether to accept an offer.

Projects That May Be Eligible for Financing

Financing availability depends on the lender, applicant qualifications, project amount, and other requirements. Homeowners may explore options for many of the residential services offered by Sheppard Exteriors.

Financing Frequently Asked Questions

Does checking my financing options affect my credit score?

Hearth states that its prequalification process uses a soft credit inquiry, which does not affect your credit score. A lender may perform a hard credit inquiry if you choose to proceed with and finalize a particular credit offer.

Is Sheppard Exteriors the lender?

No. Financing and credit decisions are provided by independent third-party lenders through Hearth. Sheppard Exteriors does not make lending or credit-approval decisions.

Is 0% financing guaranteed?

No. The banner refers to qualifying 0% introductory APR credit card offers. Availability, promotional period, ongoing APR, credit limit, fees, and other terms depend on the card issuer and the applicant's qualifications.

Do I need a project estimate before exploring financing?

You may explore Hearth's financing options independently, but a Sheppard Exteriors estimate will help you understand the anticipated cost and scope of your proposed project.

Am I required to accept an offer?

No. Reviewing financing options does not require you to accept a lender's offer or enter into a project agreement with Sheppard Exteriors.

Financing disclosure: Financing options are offered by independent third-party lenders through Hearth. Sheppard Exteriors is not a lender, broker, or credit decision-maker. Rates, terms, loan amounts, credit limits, fees, promotional periods, and approvals vary by lender and applicant qualifications. A 0% offer refers to a qualifying introductory APR credit card promotion and is not guaranteed. The APR may change after the introductory period. Review all lender and card issuer disclosures carefully. This page is not a commitment to lend.