Your home deserves quality work, and quality work shouldn't have to wait. Through our partnership with Hearth, Phoenix homeowners can access competitive financing options for projects ranging from minor repairs to full remodels.
Check your rate in about two minutes. Soft credit check only, so there's no impact to your credit score and no obligation.
Why We Offer Financing
For 30 years, we have built TWD around doing the job right the first time. A water-damaged ceiling, a cracked stucco wall, or a dated kitchen or bathroom shouldn't have to wait to be fixed or updated because of cash flow.
Through our partnership with Hearth, you can spread your project cost into predictable monthly payments without tapping home equity, maxing out credit cards, or draining your savings. For smaller projects, you may even qualify for 0% interest for up to 21 months.
We chose Hearth because their platform matches your application to 17 lending partners through a single soft credit pull. One short form shows you options from multiple lenders without affecting your credit score.
Estimate Your Monthly Payment
Use the calculator to see what your project could look like in monthly payments. Enter your project total and adjust the loan term and credit tier to preview what's possible before you apply.
Actual rates, terms, and approval are determined by Hearth's lending partners when you complete a full application.
About Our Partnership with Hearth
Hearth is a financing platform operated by Hearth, Inc. It is an independent company and is not owned by, affiliated with, or operated by Todd Whittaker Drywall, Inc. When you apply, you are working directly with Hearth and their lending partners. Loan terms, approval decisions, rates, and servicing are handled entirely by the lender you select.
We make Hearth available as a convenience for homeowners who want financing options. Paying TWD directly by cash, check, or card remains available for every project.
Your Financing Options
Hearth matches your application to the right product based on your credit profile, project size, and goals.
Personal Loans Amounts from $1,000 to $250,000 with credit scores as low as 550. Funded in 1 to 5 business days. Repayment terms from 1 to 12 years, depending on credit tier. No collateral required, meaning no home equity on the line. The right fit for most projects.
0% Interest Credit Cards Up to $15,000 for a 680 credit score or higher. Promotional 0% APR for 6 to 21 months, depending on the card. Best suited for smaller projects, you can pay off inside the promotional window.
HELOCs (Home Equity Lines of Credit) Up to $250,000 for a 640 credit score or higher. Longer repayment terms and typically lower rates because the line is secured by your home. A strong option for major remodels when you have built up equity. Available to Arizona homeowners.
How It Works
- Check your rate. Fill out one short form through our Hearth partner link. Soft credit check only, no score impact.
- Review your offers. Compare options from up to 17 lending partners. Sort by monthly payment, APR, or term length.
- Choose what works. Pick the offer that fits your budget. A hard credit check happens only at this step.
- Complete the application. Answer a few final questions and upload proof of income, typically recent pay stubs, W-2s, or bank statements.
- Get funded. Personal loan funds arrive in your bank account in 1 to 5 business days. Credit cards are mailed and usually
arrive within 7 to 10 business days.
Frequently Asked Questions About Drywall Repair
No. Getting pre-qualified uses a soft credit check, which has no impact on your score. A hard credit check only happens if you choose to move forward with a specific offer.
Ready to Get Started?
Check your rate in about two minutes. Soft credit check only, with no impact on your credit.
Prefer to talk first? Call TWD at 623-544-1211 or schedule your free consultation.
We're happy to discuss your project before you look at financing.