Financing Options
Consumer Financing Options for Your Home Improvement Project
At AgeWell Home Solutions, we understand that home improvement projects can be a significant investment. To help make your dream home a reality, we are pleased to offer consumer financing through Synchrony. Our financing options are designed to provide flexibility and ease, allowing you to choose the plan that best fits your budget.
Promotional Financing Options
We offer a variety of promotional financing plans, including:
- 6 Months “Same as Cash”: Enjoy no interest if paid in full within six months. This option allows you to manage your payments while deferring interest.
- 12 Months “Same as Cash”: Similar to the 6-month option, this plan gives you a full year to pay off your balance without accruing interest.
- 18 Months “Same as Cash”: For larger projects, this extended plan provides additional time to pay off your balance with no interest.
- Fixed Payment/Reduced APR (7.99%): If you prefer a fixed payment plan, this option offers a reduced annual percentage rate, making it easier to budget for your monthly payments.
Home Design Credit Card
Our financing is facilitated through the Home Design Credit Card, which is accepted at thousands of locations nationwide. This card allows you to take advantage of special offers and manage your account conveniently through the MySynchrony app.
Why Choose Financing?
- Flexible Payment Options: Choose a plan that aligns with your financial situation.
- Immediate Access to Funds: Start your home improvement project without delay.
- Promotional Offers: Benefit from promotional financing that can save you money.
If you are interested in learning more about our financing options or how they can help you with your home improvement project, please don’t hesitate to reach out to us. We are here to assist you in making your home improvement dreams a reality!
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FIGURE HELOC Program Summary
Our Home Equity Line of Credit (HELOC) program offers homeowners a flexible borrowing option based on the equity in their homes.
Eligibility Requirements
- Must be a homeowner.
- Minimum FICO score: 640 (680 for investment properties).
- Loan amounts vary based on FICO score ($125K to $400K):
- Origination fee: 1.5% to 4.99% (where allowed).
- Maximum Combined Loan-to-Value (CLTV): 85%.
- Annual Percentage Rate (APR): 6.50% – 11.00% (includes discounts for credit union membership and autopay).
- Credit limits: $15,000 to $400,000 (minimums vary by state: $25,001 in AK, $35,000 in TX).
- Maximum of 2 existing mortgages/liens on the property.
- Debt-to-Income ratio must be less than 50%, often under 43%.
- Minimum 2 years of credit history.
- No delinquencies on current mortgage in the last 6 months.
- No foreclosure in the past 5 years.
- No collections or bankruptcies in the last 7 years.
Property Eligibility
- Eligible: Single-family residences, townhouses, duplexes, planned urban developments (PUDs), and most condos.
- Ineligible: Co-ops, commercial properties, multifamily real estate, manufactured housing, timeshares, log homes, houseboats, or mixed-use properties.
Key Features
- Largest non-bank HELOC lender in the U.S.
- Approval in as little as 5 minutes; funding in as few as 5 days.
- Flexible terms allowing borrowing from $15,000 to $400,000, with the ability to redraw up to 100%.
- 100% digital application process and automated valuation.
- Ideal for debt consolidation or financing home projects.
For more information or to apply, please reach out to FIGURE here:
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