Carriage Houses NW is pleased to offer our customers financing options through Hearth. Hearth’s platform matches customers with a number of independent lending agencies. The loans are all non-secured, meaning they are based on the applicant’s credit worthiness and are not tied to the project itself. The first step in applying for a loan is to answer a few basic personal income questions at which time a “soft inquiry” is done. THIS DOES NOT SHOW UP AS A CREDIT INQUIRY ON A CREDIT REPORT. If Hearth finds an acceptable match, then the customer makes official application with a lender and proceeds as directed.