At Atlas Builders & Development, we offer two flexible financing paths so you can choose what works best for your situation. Through Hearth, you can get pre-qualified in minutes with no impact to your credit score, with personal loan options designed specifically for home improvement projects — no liens, no prepayment penalties, straightforward terms. For larger projects, we also offer Ygrene PACE financing with no money down and repayment terms built around your budget. We guide you through every step — from choosing the right project to securing your financing — so you can protect your home and start your project without the stress of a large upfront payment.