What Is Zero Interest Construction Financing?

Zero Interest Financing for Construction Projects in Portland

Rising construction costs can make it difficult to move forward with a project—even when the timing is right. Whether you’re planning a home addition, renovation, or new construction, financing can play a key role in getting started.

Capital Builders has partnered with Hearth to provide Portland-area homeowners with access to zero interest financing options—allowing you to move forward with your project now and pay over time.

What Is Zero Interest Construction Financing?

Hearth is a financing platform that connects homeowners with multiple lenders offering promotional 0% introductory APR options for home improvement and construction projects.

For qualified applicants, this means you may be able to complete your project without paying interest during the promotional period—helping you manage costs more effectively.

Why Homeowners in Portland Are Using Financing for Construction

Construction projects in the Portland area often involve a significant investment. From home additions and ADUs to full renovations, costs can range widely depending on scope and materials.

Financing allows homeowners to move forward with improvements while maintaining flexibility in how the project is paid for over time.

Key Benefits of Hearth Financing

• 0% introductory APR options during the promotional period (for qualified applicants)
• Pre-qualification in minutes with no impact on your credit score
• Loan amounts ranging from smaller upgrades to large-scale projects
• Fast access to funds once approved
• No home equity required for many options
• Clear monthly payment options before committing

How the Financing Process Works

1. Request a consultation. We’ll review your project and provide a detailed estimate.
2. Review financing options. You’ll receive a personalized link to explore available offers through Hearth.
3. Select your plan. Once approved, funding is completed and your project can move forward.

This process is designed to be straightforward, allowing you to focus on your project—not navigating complicated lending requirements.

Is Zero Interest Financing Right for Your Project?

Financing can be a good fit if you:

• Want to move forward with a project without delaying for upfront costs
• Prefer structured monthly payments over a large initial investment
• Need flexibility compared to traditional construction loans
• Want to secure your place in a contractor’s schedule

Every project is different, and we can help you determine what approach makes the most sense based on your goals.

Common Projects That Use Financing

Financing is commonly used across a wide range of residential construction and remodeling projects, including:

• Home additions and ADUs
• Kitchen and bathroom remodeling
• Decks, exterior upgrades, and structural repairs
• Full home renovations

Because Capital Builders offers full-service construction, financing can be applied to projects of many sizes and scopes.

Frequently Asked Questions

Is it really zero interest?

Yes—during the promotional introductory period offered by the lender. After that period, standard rates apply. It’s important to review all terms before selecting a plan.

Does applying affect my credit score?

No. Initial pre-qualification uses a soft credit check and does not impact your score.

How quickly can I get approved?

Many applicants receive options within minutes, with funding available shortly after approval depending on the lender.

Can this be used for larger construction projects?

Yes. Financing is commonly used for both remodeling and larger construction projects, depending on qualifications and lender terms.

Start Your Project with Flexible Financing Options

If you’re considering a construction or remodeling project in Portland or the surrounding areas, financing can help you move forward without unnecessary delays.

Contact Capital Builders at (503) 892-2955 to schedule a consultation and explore your financing options.

Request a Free Consultation

Financing is provided through Hearth and its lending partners. Rates, terms, and promotional offers vary based on credit qualifications and lender approval.