Easy Payment Options
If you are thinking about financing, we offer two easy and convenient payment options. You can get approved in less than 10 minutes.
Same as Cash (#1 Choice)
Traditional Loan
Preferred by homeowners.
Won’t tie up home equity or credit lines.
No closing, appraisal or application costs.
No prepayment penalties.
No high default APRs for late payments.
Quick credit decisions in as little as 10 minutes.Our loan options have many advantages over other funding options, including the following:
- Low, fixed interest rates. These rates are easily available to anyone with good credit.
- Unsecured. You don’t have to put up your house as collateral.
- Keeps your home equity intact. Reducing home equity takes away future options.
- No headaches. After all your hard work and planning, you’ve earned a quick, hassle-free loan experience, and you get a response within minutes.
If I failed credit, what can I do?
You can re-apply after 30 days, or another member of the household can apply. Applicants must be listed as owners of the property.
If I failed credit, what can I do?
You can re-apply after 30 days, or another member of the household can apply. Applicants must be listed as owners of the property.
Can I apply with a co-applicant?
No co-applicants are accepted at this time, but someone else in the household can apply if the original applicant is denied. Applicants must be listed as owners of the property.
Will I need to verify my income?
In the credit approval process, you’ll be asked your individual “gross yearly income.” Please be as accurate as possible. If further clarification is required, you may be asked for “proof of income” through a W2 or a pay stub. (This verification only impacts a very small percentage of customers.)
Once credit is approved, how long is it valid?
60 days. You must sign your loan agreement within 60 days of receiving approval.
When does my loan start?
Home improvement financing through Mosaic dates are based on first payments to the partner. For roofing or windows/doors, we make our first payment to the partner as soon as the customer signs the contract.
If I pay off the loan early, do I still owe interest? And are there any early prepayment penalties?
If you pay off your loan before the promotional period end date, you don’t owe any interest. If you don’t pay off your loan prior to the promotional period end date, you are able to pay off the loan amount at any point and you’ll only pay for interest that has already accrued. Mosaic does not have any prepayment penalties.
When am I responsible for paying down my loan and avoiding all interest charges?
If the balance of the loan is paid in full by the promotional period end date listed on your monthly statement, you owe no interest. If the loan balance is not paid in full by the promotional period end date, you owe the amount of accrued interest on your most recent monthly statement, and you will have to start making monthly payments on your loan.
If I pay off the loan early, do I still owe interest? And are there any early prepayment penalties?
You can pay off the loan amount at any point and you’ll only pay for interest that has already accrued. Mosaic does not have any prepayment penalties.
US SIDING & ROOFING
“US Siding is here to make sure homeowners get the remodeling services they deserve”
