Most new homes get the front yard now and the backyard "someday." Financing lets you finish all of it in one build, under one contract, while your cash stays in the bank.
About two minutes. Checking your options does not affect your credit score.
Financing does not change what we build or what it costs. It changes when the yard gets finished and how hard it hits your savings.
Doing a yard in phases means mobilizing the crew and equipment twice, tearing into new sod to run a second line, and living with half a lot. One build costs less in the long run and looks right from day one.
Closing on a new home takes a lot of cash. Paying over time keeps your emergency fund where it belongs while you enjoy the yard this summer.
Your line item proposal does not change because you finance. Same fixed price, same four milestone draws, and we still never hold a card.
We partner with Hearth, which shows you real loan offers from several lenders side by side. Roots is not the lender and never sees your financial details.
The owner walks your lot and sends a line item proposal, so you know exactly what to apply for.
Apply through our Hearth link and compare monthly payments and terms with no effect on your credit score.
Accept the offer you like. Funds typically arrive in your account in one to three business days, and you pay our milestone draws by check or transfer as the work gets done.
No. Seeing your options takes about two minutes and does not affect your credit score. A full credit review only happens if you choose a specific offer and move forward with that lender.
No. You sign the same fixed price proposal and the same agreement as a cash client. The lender deposits the funds into your account, and you pay our four milestone draws by check or bank transfer as each stage is finished. Nothing is paid ahead of the work.
Loans go up to $250,000, with no home equity required and no prepayment penalties, so you can pay it off early at any time. Your rate and term depend on your credit profile and the lender, and you see every offer side by side before you commit to anything.
No commitment and no effect on your credit score. Rather talk to a person? Call or text (435) 677-6050. It goes to the owner.
Check my options