How Financing Works With Us, From a Soft Credit Check to a Finished Project
This financing guide answers that question in plain terms. Whether it’s a storm-damaged roof, drafty windows, new siding, or a full exterior renovation, financing through Foundation Finance lets you move forward without draining savings or putting off work your home needs now.
Check My OptionsEstimate My Payment
5 Steps From Question to Finished Project
Here’s exactly what happens before, during, and after you apply. No surprises, no fine print saved for later. This is the part of the financing guide most homeowners ask us about first, so we kept every step short and specific.
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1
Soft inquiry
Check your options
Prequalify online or by phone with your name, address, contact information, and date of birth. Foundation Finance uses a soft credit inquiry here, so your credit score isn’t affected.
You: a few minutes of basic information. -
2
Your rep explains
Review the programs
Available programs appear based on what you provided. Your Thrush & Son representative walks through each one, explains the details, and answers questions before you decide anything.
You: pick the payment and term that fit. -
3
E-signature
Sign electronically
When you’re ready, financing documents arrive electronically for review and signature. If you have a co-applicant, both of you receive the documents and sign from wherever you are.
You: read, sign, done. No office visit. -
4
Loan Completion Certificate
We complete the project
Our crew does the work. When it’s finished, a Loan Completion Certificate confirms the project was completed to your satisfaction.
You: confirm the work is done right. -
5
Lender pays
Final verification and funding
Once the completion paperwork is submitted, the lender may verify it, then releases funding according to your agreement. Your only job is enjoying the finished home.
You: nothing left to do.
What happens to your credit, and when
Not sure of the difference? The Consumer Financial Protection Bureau explains soft and hard credit inquiries.
Watch It, Then Get Ready
Prefer to see it explained? The video walks through the same process this financing guide covers. When you’re ready to prequalify, have these handy:
- Your name and date of birth, as they appear on your ID
- Your home address for the project
- Phone and email so documents can reach you
- Your co-applicant’s details, if you’re applying together
It’s the fastest way to understand the process before you talk to anyone, and you can pause, rewind, and share it with whoever helps you make decisions at home. Want it on paper? Download the printable financing guide (PDF) to keep on hand.
Estimate Your Monthly Payment
Pick a project amount, a term, and a rate to see roughly what a month looks like. Set the rate to zero to model a promotional same-as-cash plan. Your lender gives you exact figures once your application is reviewed. Use it alongside this financing guide to plan a budget you’re comfortable with.
- Total of payments
- Total interest
- About per day
Estimates only, for planning purposes. Actual payments depend on the lender, your approved rate, your credit profile and the final project scope. Thrush & Son® is not a lender and does not set rates or terms.
Why Financing Makes Sense
Most home improvements aren’t luxuries. A roof leak never shows up when it’s convenient, drafty windows cost you every month, and damaged siding lets moisture in. Waiting years to save cash often costs more than fixing the problem now. That’s the core message of this financing guide.
Before you sign: four habits this financing guide recommends
And one more: only sign the Loan Completion Certificate when the work is finished to your satisfaction. That signature is what releases funding, and it’s your strongest protection in the entire process. Every step in this financing guide is built around that idea.
What You Can Finance
This financing guide applies to every project we do. Pick yours to see the details.



Rebates and incentives come and go. What lasts is the quality of the products, the skill of the installation crew, and how the whole system performs for decades. Use this financing guide to fund the right work, not just the cheapest version of it.
Dealing with storm damage? Insurance may cover part of the job, and financing can cover the rest, such as your deductible or upgrades like impact-resistant shingles that the claim won’t pay for. Our hail damage guide explains the claim side, and this financing guide handles the rest.
Financing Guide Questions, Answered
Will checking financing options hurt my credit score?
No. Foundation Finance uses a soft credit inquiry during prequalification, which does not impact your credit score. You can review potential financing before deciding whether to move forward, which is the first step in this financing guide.
When does a hard credit inquiry occur?
A hard credit inquiry may occur only after a completed credit application and signed financing documents have been submitted for final approval. That review is part of the lender’s final approval process.
Can I apply with a co-applicant?
Yes. Homeowners may apply with a co-applicant when appropriate. Both applicants receive electronic documents and complete the required signatures as part of the approval process.
What is a Loan Completion Certificate?
It verifies that the project has been completed to your satisfaction and moves the financing into final verification and funding. Funds aren’t released until you confirm the work, which is why this financing guide calls it your strongest protection.
What projects can I finance?
Roofing, siding, replacement windows, entry doors, gutters, insulation, and complete exterior renovations. Your representative confirms what the program covers for your specific project. If it’s on our services list, this financing guide applies.
Does Thrush & Son set the rates?
No. Thrush & Son® is not a lender and does not set rates or terms. The lender reviews your application and determines approval, rate, and terms.
Why We Wrote This Financing Guide
Thrush & Son® has served Miami Valley homeowners since Wilbur Thrush founded the company in 1960. In that time we’ve learned that most homeowners aren’t afraid of investing in their homes. What creates hesitation is uncertainty about costs, financing, and what happens next.
That’s why we partnered with Foundation Finance and wrote this financing guide: to take the guesswork out, eliminate surprises, and let you decide with real numbers. Education over pressure, every time.
We serve Dayton, Brookville, and communities across the Miami Valley with roofing, siding, windows, doors, gutters, insulation, and complete exterior renovations. The same team that prices your project walks you through financing, so you’re never handed off to someone who doesn’t know your house.
- Serving homeowners since 1960
- Three generations of leadership
- Roofing & exterior specialists
- Transparent recommendations

See Your Options in Minutes. Your Credit Score Won’t Budge.
Prequalify with Foundation Finance using a soft credit check, or schedule a consultation and we’ll price your project and walk you through every option. Prefer to talk? Call (937) 833-5136. See all our lending partners on the financing page.
- GAF President’s Club Contractor
- Best of Dayton 2024 Winner · 2025 & 2026 Finalist
- BBB Accredited A+
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