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📐 Use the aerial estimator. 5% off your project. ★ 💳 Financing available. Flexible payment plans. ★ 🎁 Refer a neighbor. You get $80, they save 10%.📐 Use the aerial estimator. 5% off your project. ★ 💳 Financing available. Flexible payment plans. ★ 🎁 Refer a neighbor. You get $80, they save 10%.
FINANCING

Quality Work Shouldn't
Break the Bank.

JR One partners with Hearth for customer financing. A lender in Hearth's network makes you a loan. The money goes to you, and you pay JR One the same way as any job. Hearth loans run from $1,000 to $250,000. Terms run from 2 to 12 years, depending on the lender. There is no penalty for paying early. Hearth charges JR One no per-loan fee, so your price is the same either way.

How It Works

How Financing Works

Four steps. Same price either way.

Step 01

Get your estimate

We send you a clear estimate for your project. The price is the same whether you pay now or finance.

Step 02

Ask about financing

Tell us you want monthly payments, or use the Apply with Hearth button on this page.

Step 03

Apply with Hearth

You fill out Hearth's short form. Checking your options does not affect your credit score. Hearth shows you loan options from its lenders, and you pick one.

Step 04

Work begins

Once your loan funds, the money goes to you. You pay our deposit, we schedule the job, and you pay the balance when the work is done.

Why Finance

Protecting Your Home Is an Investment

Address damage sooner

Putting off gutter or soffit work because of budget concerns gives water more time to do damage. Handling it now is generally far cheaper than repairing the water damage that follows.

Manageable monthly payments

Spread the cost of your project over months instead of paying everything upfront. Keep your savings intact for emergencies while your home gets the protection it needs.

No price difference

Your estimate is your estimate. Financing doesn't add to the project cost. It's simply a payment method. You get the same materials, the same crew, the same Gold Standard service.

Senior and military discounts available

We offer additional discounts for seniors and military families. Combine with financing for the most affordable path to protecting your home.

FAQ

Financing Questions

Hearth is a financing company that connects homeowners with its network of lenders. Hearth does not make the loans itself. JR One has been a Hearth member since 2024.

No. Hearth's lenders work with credit scores as low as 550. Each lender makes its own decision.

Hearth loans start at $1,000. For smaller jobs, pay by Zelle, check or card.

If you finance through Hearth, the money goes to you first. You then pay our deposit and balance the same way as any job.

Yes. Hearth's loans have no penalty for paying early.

No. The price of your project is the same whether you pay now or finance. The scope and the cost of the work do not change.

Want Monthly Payments?

Call us or request a quote and ask about financing through Hearth. No obligation, no pressure.

Call Now