Frequently Asked Questions

Here, we’ve answered some of the most common questions about our products, services, and maintenance solutions. If you don’t find what you’re looking for, feel free to contact our support team — we’re always happy to help.

Question 1: What credit score is required?

Most financing partners work with a wide range of credit profiles. Typically, a score of 550–600+ is enough to qualify. Higher scores unlock better rates and larger approvals.

Question 2: How large a loan can I get?

Loan amounts generally range from $1,000 up to $250,000, depending on credit, income, and project size.

Question 3: What is the timeline for approval and funding?

Pre-qualification takes just 2–3 minutes (no credit hit). Once approved, funds are often available within 1–3 business days.

Are you licensed and insured for residential and commercial work?

Yes—our company is a fully licensed general contractor, offering services across residential and commercial sectors.

What service areas do you cover?

We serve Northern California and handle both residential and commercial clients throughout that region.

Do you provide turnkey services—from design through permitting to construction?

Yes. We handle the full process including design, permitting, construction management and finishing, so you get a streamlined build-solution.

What happens if I change scope or upgrade materials mid-project?

Scope changes or material upgrades will be documented via a change order. We’ll provide an updated estimate and timeline for approval before proceeding.

How do you ensure projects stay on schedule and within budget?

We apply detailed planning, structured scheduling, trade coordination and regular progress tracking to manage time and cost effectively.

Do you assist with permits, zoning, and code compliance for major constructions or remodels?

Yes. We handle permitting, zoning reviews, code compliance and inspection scheduling as part of the service setup.

What licenses and insurance should I look for in a general contractor?

You should verify that the contractor holds a valid state contractor’s license, carries general liability insurance and workers’ compensation coverage. This protects you from liability if there’s an onsite injury and ensures the work is compliant.

Ready to Build Your Construction?

Schedule your free consultation today and start planning your dream construction.

Contact Us

Office Hours:

Mon-Fri 8:00AM-5:00PM

Call: (279) 220-5544

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* Financing is provided by Hearth’s lending partners. Hearth is a technology company, licensed as a broker where required.

Hearth does not make credit decisions or loans. This does not constitute a loan offer. NMLS ID# 1628533. See NMLS Consumer Access for details.