Do the work right. Finance your home renovation on your own timeline.
Hearth has partnered with 3 Generations Improvements to make financing your renovation simple, fast, and accessible.
Since 1956 · Three generations · Diamond Certified · James Hardie contractor · Energy Star windows
Finance Your Project
Powered by Hearth
0% APR promotional financing available
Request $1,000 to $250,000 in funding
Funding in 1 to 5 business days
APR starting at 4.99%*
Simple 2-minute application
Instant pre-qualification
Soft pull available
Terms up to 15 years*
*Rates and terms vary by lending partner.
See your project as a number, then as a monthly payment.
Two quick steps to a figure you can plan around. Not sure what your project runs yet? Start with our project calculator for a cost estimate. Then use the estimator below to see that amount as a monthly payment. Checking does not affect your credit score.
Disclosure: The interest rate varies based on your credit score and creditworthiness. Actual minimum monthly payment may vary. See the terms and conditions of your specific offer.
These estimates are built for real exterior projects, not small-ticket jobs. See our Pricing page for typical ranges by service.
What rate should I expect?
Your rate depends on three things: your credit, the amount, and the term you choose.
Stronger credit earns the lowest APRs and the longest terms, and Hearth works with a network of lenders that serve a range of credit profiles.
The strongest profiles see APRs as low as 4.99%, and some offers carry a 0% introductory APR for a promotional period.
The chart shows the current ranges.
Why Choose Our Financing
- A fixed monthly payment with a set end date, so a major exterior project becomes a number you can plan around
- No collateral, no home appraisal, and none of the weeks of bank meetings a renovation loan can take
- Approved financing that does not hold up your start date
How It Works
About Hearth
Hearth is an online financing marketplace that makes it easy to see and compare many financing options in one place. Instead of shopping lenders one at a time or visiting bank branches, you see multiple real offers instantly. Hearth is a technology company, NMLS ID# 1628533. It shows you offers from a network of lenders and is not itself the lender.
What Your Neighbors Say
"3G is definitely not the cheapest siding and windows contractor, but if you want a job done right with excellent attention to detail, they are your vendor. I'm now confident that I will never have to worry about leaks through my siding and windows again, at least not for the next 30 years."
- Matt V., Larkspur, CA
"3 Generations wasn't the lowest bid, but Kurt took the time to explain a number of things I hadn't considered. In the end I believe they provided excellent value that I would not have gotten from another firm."
- Josh W., Livermore, CA
"We had a great experience working with this company, and they really care about their business and their name. The siding and new windows look beautiful."
- Anne Marie N., Petaluma, CA
Prefer a traditional renovation loan?
If a home renovation loan suits you better than the Hearth marketplace, our partner Diamond Residential Mortgage Corporation (DRMC) offers that route.
Financing Questions
Sometimes. If the alternative is a cheaper version of the work, or a few more years of patching while the underlying problem grows, financing often costs less than waiting. If you have the cash and would rather use it, do that; the estimator is still useful for planning. What we would steer you away from is stretching into a payment that makes you uncomfortable. Bring your numbers to the consultation and we will tell you what we would do in your position.
Not ready to check your rate? That's Okay.
You can start by simply reaching out with any questions you have, whether they're about financing options or your renovation project in general. Our team is happy to walk you through the details and help you figure out the best path forward, with no pressure to commit.
Disclosure: All financing is subject to credit review and approval by Hearth's lending partners. Offers, rates, and terms depend on your creditworthiness and are set by the lender, not by 3 Generations Home Improvements.
Disclosure: Checking your rate through Hearth uses a soft credit inquiry and does not affect your credit score. A formal application with a lender may involve a hard inquiry.
Disclosure: 0% APR promotional financing applies only during the promotional period on select offers. A standard APR applies after the promotional period ends. Review each offer's disclosures for exact terms.
Disclosure: Loan amounts ($1,000 to $250,000), terms (up to 15 years on qualifying offers), and APRs (as low as 4.99%) reflect ranges published by Hearth. Your actual offer may differ.
Disclosure: Funding timeframes vary by lender and are typically a few business days after approval.
Disclosure: Hearth is a technology company and may be licensed as a broker as required by state law. Hearth does not accept applications for credit, make loans, or make credit decisions. NMLS ID# 1628533.