How does Homeowner Financing work ?

• It works just like any other financing company, except for higher approval ratings and lower interest rates on your loan.

Why should I consider financing for my home improvement projects?

• Make your dream projects more affordable

• Lower interest rate and lower monthly payments

• Receive your check within days to get the project started

• Have funds available for project scope increases

• Cash flow for unexpected major repairs

• How do I apply?

• When you get your estimate from Integrate Construction Business LLC, you will see a ‘View Financing Options’ button.

• You can click the button and follow the steps to find your personalized financing rate within minutes.

• If there is a financing offer that is suitable to you, you can complete the application process and receive your funds within a few days.

• You will deal directly with the lender, meaning you can proceed with our estimate approval to pay the invoice later on when you receive your funds.

• If approved, you will get your funds to pay Integrate Construction Business LLC for the work, and then you pay back the loan to the given terms.

Who is offering the financing?

• We partnered with a leading personal loan financing company, Acorn Finance, a marketplace of lenders that connects customers to lenders, to explore fast, easy, home improvement loan options.

What loan sizes are offered?

• Personal Loans are available from $1,000 to $100,000.

What is the loan interest rate and term length?

• Interest rates and terms depend completely on the client’s profile, loan dollar amount, and term. Loans are available with APRs as low as 4.49% APR.

How long does it take for the loan to be issued?

• Loan approvals can be made within minutes. Once a client is approved for a loan, they should expect to receive the funding within 1-2 business days.

Is the contractor liable for my financing decision or actions?

• No. The financing agreement is only between you and the lender.

Will the contractor be able to see if I am approved or declined when applying for financing?

• No, lending decisions are made completely between you and the lender. To protect your privacy and security, information about your loan approvals is kept confidential.

What will I see when I click the financing button on the estimate or invoice?

• You will be directed to one of our partner’s websites, where you can check your rates within minutes. If pre-approved, you will have the opportunity to formally apply for a loan online.

What countries or states have access to the Homeowner Financing option?

• Currently, Homeowner Financing is not available outside of the USA, or in the following US states: MA, NV, and the following US territories: AS, FM, GU, MH, MP, PW, PR, VI.

• Acorn is available in 47 States, plus DC, and Acorn is working on adding support for all states later in 2025. You can see their most up to date coverage map here: https://www.acornfinance.com/acorn-finance-coverage

​ ​What if I have questions about the Acorn application?

• You can get top notch support as well. Or can reach out directly to Acorn by phone, email or chat:

• Phone: (916) 404-1982 Email: support@acornfinance.com For Live Chat: Click the chat icon at the bottom right of the loan application