Financing
Two ways to finance your project
Spread the cost of your remodel or new build into simple monthly payments. Casa Mia works with two independent financing partners — compare both and choose the one that suits you.
Both options start with a soft credit check · No impact to your credit score.
Two ways to finance
Choose the path that suits you
Casa Mia works with two independent financing partners. Both start with a soft credit check, so looking costs you nothing.
Home Upgrade Financing
A financing specialist finds the right program for you.
- Loans from $10,000 to $225,000
- Terms up to 20 years, no pre-payment penalties on most programs
- Options for FICO from 580 and for self-employed income
- A decision often within minutes, funding in about 36 hours
Hearth
See your options online in about a minute.
- Financing up to $250,000
- Funding in as little as 1–3 days
- No prepayment penalties
- No home equity required
What financing makes possible
No home equity required
Qualify without borrowing against your home.
Won't affect your credit score
Checking your options is a soft credit check only.
Predictable monthly payments
Spread the cost over a term that fits your budget.
Funding in days, not months
Start your project sooner once you're approved.
No prepayment penalties
On most programs, pay your loan off early with no added fees.
Projects large and small
From a single bathroom to a full remodel or new build.
Frequently Asked Questions
Quick answers to what homeowners ask us most.
Still have questions? Get a free estimateYou complete a short online form, which runs a soft credit check that doesn't affect your score. A financing specialist reviews your profile and contacts you to discuss the options that best fit your project and budget.
No. It's a soft credit inquiry, so exploring your financing has no impact on your credit score.
Programs are available for a wide range of credit profiles — FICO scores as low as 580 and debt-to-income ratios up to 55% — including options for self-employed homeowners and less conventional income.
Loans generally range from $10,000 to $225,000, with repayment terms up to 20 years and no pre-payment penalties on most programs.
Many homeowners get a decision within minutes, with funding available as quickly as 36 hours after approval.
No — applying and receiving offers is free.
Estimate your monthly payment with Hearth
Ready to see your rate?
Pick the partner you'd rather start with. Neither one affects your credit score.
Both options start with a soft credit check · No impact to your credit score.
Financing real projects across Central Florida
See the kind of work homeowners finance with Casa Mia.
Ready to get started?
Both options start with a soft credit check · No impact to your credit score.
Financing is provided through third-party partners, not by Casa Mia Services. Hearth is a technology company licensed as a broker as may be required by state law (NMLS ID #1628533) and does not make loans or credit decisions. Home Upgrade Financing (the consumer-financing arm of Contractor Lend Link) connects homeowners with third-party lenders. This is not an offer or solicitation to lend; all financing, rates, and terms are subject to lender approval.