Home is where people relax after work. Home is how people build wealth. Home is where people raise families, where they send kids off to kindergarten and college.
It’s no surprise that owning a home has defined the American Dream for decades.
The dream extends beyond just buying a house to owning the right home–a home customized to build wealth and reflect the owner’s tastes. This broader vision explains why Americans spend over $300 billion on home improvement every year.
Unfortunately, millions of people lack the tools to make smart financial decisions during remodels. Consequences can be disastrous: too much debt, costly delays, and even foreclosure. This status quo is unacceptable in the 21st century.
That’s where Hearth comes in.
Hearth helps homeowners make smart financial decisions about their renovations. We show homeowners how to craft an accurate budget for their remodels. When appropriate, we connect homeowners to financing options.
United by the belief that technology can save consumers thousands of dollars during their renovations, entrepreneurs Joe Lonsdale and Anthony Ghosn founded Hearth in September 2016. Hearth is located in San Francisco and backed by prominent Silicon Valley firms such as 8VC and Founder’s Fund. These firms have invested in Blend Labs, SpaceX, Oscar, and Wish.
116 Natoma Street, 3rd Floor
San Francisco, CA 94105
* All loan information is presented without warranty, and estimated APR and other terms are not binding. Hearth’s lending partners generally present a range of APRs (for instance, from 5% to 35.99%) with a range of terms and monthly payments. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Actual APRs will depend on factors like credit score, loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest APRs. All loans are subject to credit review and approval.
Hearth is a technology company, which is licensed as a broker as may be required by state law. NMLS ID# 1628533 |NMLS Consumer Access. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. All insurance services are provided by Hearth Home Insurance Solutions, Inc. Hearth may be compensated by third-party advertisers.