Smart Financing Options for Oregon & Southwest Washington Homeowners

TerraFirma offers a variety of stress-free financing options that make it easy for you to start your home improvement or repair project when the time is right for you.

Expand Your Purchasing Power with Financing Options for Your Basement or Foundation Repair

Same-As-Cash and No-Interest options
Convenient monthly payment options
No hidden fees or closing costs

_{*on approved credit}

Financing Options Make Your Project Affordable

TerraFirma offers several financing options to help make your repairs affordable, so you can fix the problem before it gets worse.

6-Month
Same-As-Cash Loan

*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of October 2022, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 180 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 18 to 126 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 180 days after first disbursement.

6.99% APR
5-Yr Loan

*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 6.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period.

9.99% APR
12-Yr Loan

*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period.

Financing Puts You in Control

Direct contractor financing offers several benefits:

Speed: Quick application process & same-day credit decision
Flexibility: Choose from a range of payment options
Convenience: Easy online account management

Our partners offer on-the-spot financing, and the same-day approval process means you're in control of when to undertake a major home repair. Booking repairs in a timely fashion lets you protect the investment in your home without tapping into equity, savings or emergency funds. And you end up with a more livable, more comfortable - and more sellable - home! It makes economic sense for many of our homeowners.

Financing Protects Your Investment

Cracked foundations, leaky basements and mildewy crawlspaces are often serious problems that shouldn't be delayed. If you feel you've put your repair project off long enough, financing can help you get it done now instead of later. Protecting the investment you've made in your home!

How Our Financing Program Works

Our financing program is simple and straightforward. As part of your free evaluation, you'll meet with one of our specialists who can provide a detailed written estimate as well as outline financing options. Together, you'll decide what type of financing, if any, meets your needs and budget We have been connecting homeowners with quality, trustworthy, affordable financing for their home projects for over 15 years! We are proud to partner with Morehouse Finance and Finance of America.