Some of our clients pay for their basement outright. Others would rather keep their savings liquid and pay over time. Either way it is the same Roots basement, the same fixed price, and the same contract.
Check my options Begin your basementAbout two minutes. Checking your options does not affect your credit score.
Financing is not a discount and it is not a different product. It simply lets you build the basement you actually want, on your timeline, without draining the account you keep for everything else.
Skip the "we'll finish the bathroom later" plan. One crew, one schedule, one finished basement, instead of three disruptions spread over three years.
You just bought a new home. Paying over time keeps your emergency fund and investments right where they are while the space starts earning its keep.
Your line item proposal does not change because you finance. Same fixed number, same milestone schedule, same signed change orders.
We partner with Hearth, which shows you real loan offers from multiple lenders side by side. Roots is not the lender and never sees your financial details.
We walk the space with you and send a line item proposal. Now you know exactly what to apply for.
Apply through our Hearth link. Compare monthly payments and terms from several lenders without affecting 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 as the work is completed.
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 milestone draws as each stage of the basement 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. If you would rather talk it through first, call or text the team at 435.677.6050.
Check my options