Home Improvement Financing Across Maryland & Northern Virginia

Yes. One soft-pull application covers any combination of trades JDH installs: roofing, siding, windows, doors, gutters, and insulation. Most homeowners who finance with JDH bundle two or three trades, like a new roof plus gutters, or siding plus windows. Single loan, single monthly payment, single timeline, and the bundled amount usually lands a better promo plan than financing each project separately.

JDH does not issue grants. Maryland has a state program called Maryland DHCD that offers limited grants and low-interest loans for critical home repairs to income-eligible homeowners, and several Maryland counties run their own rehab loan programs. Those are public programs you apply for directly, and they are separate from JDH financing. The closest thing JDH offers to free financing is the 12 months no interest, no payments promo plan: if you pay the principal down inside that promo window, the interest is waived.

JDH carries six lenders so we can cover most credit profiles. The prime tier (FICO 660+) sees the lowest APRs and the longest promo plans. The near-prime tier (620 to 660) still gets approved on most projects with slightly higher rates. The subprime tier (580 to 620) is served by Foundation Finance, which is built for that range. Over 90% of applicants approve on the first soft pull. The only way to know your exact qualified offer is to run the soft pull, which does not affect your credit.

Yes, common scenarios JDH financing handles: roof now, siding next spring, windows the following year. The approval covers the bundled total, the lender funds draws as the work is completed, and the monthly payment is sized to the total amount. If the homeowner wants to add a project that was not in the original scope, that typically requires a new soft pull and either an increased line or a second loan, depending on the lender.

No. The pre-qualification soft pull is a soft credit inquiry that does not touch your FICO score and is not visible to other lenders. A hard inquiry only happens later if you choose to formally accept an offer and sign the loan documents. You can shop the qualified offers, decide to fund the project in cash instead, or walk away entirely, and your credit score is unchanged.

The promo plan defers interest and payments for 12 months. If the full principal is paid down inside that 12-month window, the deferred interest is waived and the loan effectively cost zero in interest. If the principal is not paid in full inside the window, the deferred interest is added back at the standard APR, and the remaining balance amortizes over the remaining term. The clean way to use this plan is to divide the project total by 12 and pay that much each month voluntarily during the promo. Each trade page has the full explainer for that trade's promo math.

No on both. JDH financing programs are zero-down: the lender funds the full project amount, and you start paying after install (or after the promo window if you took the 12-months-no-payments plan). None of the six lenders we carry charge a pre-payment penalty. Pay the loan off in month three, month six, month twelve, you only pay for the time the principal was outstanding. This is standard for contractor-network home improvement loans and is different from some auto and mortgage loan structures.

Yes. When an insurance claim covers part of a project (a partial roof, hail-damaged siding) and the homeowner wants to upgrade beyond what the carrier pays for, JDH financing covers the gap. Common pattern: the carrier funds the claim scope, the homeowner finances the upgrade scope (better shingle, full siding instead of patch, full window package instead of two replacements). See the storm damage insurance claims walkthrough for how the claim and financing line up.