Financing Disclosures & Consumer Information

Last updated: November 8, 2026

Information about optional third-party financing, payment examples, privacy, and consumer complaint resources.

1. Purpose and the companies involved

Epic Remodeling Inc. provides residential remodeling services. We make information about optional third-party financing available to help homeowners compare ways to pay. Epic is not the lender, does not make credit decisions, and does not promise a loan, rate, approval, or funding.

Hearth is a separate technology and loan-connection service. Its published licensing page identifies its business as Shogun Enterprises Inc., doing business as Hearth and Hearth Brokerage, at 5812 Trade Center Dr #100, Austin, TX 78744. Hearth publishes NMLS ID 1628533. These are Hearth’s details, not a lending license or NMLS registration for Epic. Participating lenders provide the loans and make the credit decisions.

See Hearth’s licensing information and NMLS Consumer Access. Epic’s Washington contractor registration is #EPICRRI741J2; contractor registration is separate from financial-service licensing.

2. Financing is optional and separate from remodeling

You may request a free in-home remodeling estimate without requesting financing. Submitting Epic’s estimate form does not apply for a loan, authorize a credit inquiry, or accept Hearth’s or a lender’s agreements.

Your written remodeling agreement establishes the scope, price, deposit, payment schedule, and other project terms. Any loan agreement is a separate agreement with the lender. Financing does not waive a remodeling deposit or change the remodeling contract unless the parties agree to a lawful written change.

If your project changes or is canceled, ask Epic and the lender how the project agreement, proceeds, refunds, and loan obligations will be handled. Do not assume that a change to one agreement automatically changes the other. Applicable cancellation rights remain available.

3. Eligibility, credit profiles, and personal offers

Hearth advertises options from lenders that consider qualifying borrowers with credit scores as low as 550. A credit score alone does not establish eligibility. Income, existing debts, credit history, requested amount, lender requirements, and other factors may affect the result.

Approval is not guaranteed. You may receive different rates, amounts, terms, or no offer. Products and lenders may not be available in every state. An example intended to illustrate an excellent-credit scenario does not mean that everyone receives that rate, or that excellent credit is required to explore other options.

Hearth’s public financing overview describes its lender network. Your actual lender’s eligibility requirements and disclosures apply to your offer.

4. Prequalification, applications, and credit inquiries

Hearth describes its initial prequalification as a soft credit inquiry that does not affect your credit score. Prequalification is preliminary, not final approval, a funding commitment, or a rate lock. A subsequent lender application may involve a hard credit inquiry that can affect your score.

During an estimate, Epic can send you a link so you can review the financing service on your own device. Preliminary options may appear in about two minutes, but completion time and results vary. We cannot guarantee a decision during the appointment. A lender may request additional documentation or identity, income, and other verification before approval or funding.

Read the authorizations shown by Hearth and the lender before submitting information. Epic’s estimate request and financing prequalification are different processes.

5. Rates, APR, fees, and the amount you receive

An interest rate and an annual percentage rate (APR) are not necessarily the same. APR is an annualized measure of borrowing cost that can reflect applicable finance charges. Review the lender’s actual disclosures instead of relying on a starting rate or a sample monthly payment.

  • Compare the interest rate, APR, whether the rate is fixed or variable, and any conditions such as automatic payments.
  • Review origination, late-payment, returned-payment, and other applicable fees, together with when and how they are charged.
  • Check the amount borrowed and the net proceeds you receive. A fee deducted from the loan can leave less cash available for the remodel.
  • Compare the number and timing of payments, monthly payment, total interest, and total repayment over the full term.

There is no assurance of a fee-free loan. The provider, APR limits, available repayment range, fees, and conditions for a specific product must come from that product’s current lender disclosures. Epic does not set these terms.

6. How to interpret Epic’s pricing and payment examples

Our typical full bathroom project range of $18,000–$28,000 is general planning information, not a quote for a particular home. A $23,000 example is the midpoint of that range. The written estimate and contract establish your actual project price and scope.

Payment examples on Epic’s bathroom financing page are mathematical illustrations using their stated loan amount, assumed APR, and repayment period. They are not current rate quotes, verified lender offers, guarantees of approval, or confirmation that those exact terms are available in Washington.

Where stated, an example assumes a fixed rate, no loan fees or separate cash contribution toward the example loan amount, monthly payments starting one month after funding, and repayment over the full term. Monthly payments and totals are rounded; a final scheduled payment may vary slightly. These assumptions do not waive your remodeling deposit.

Sales tax, added scope, financed fees, a different amount received, or different loan terms can change the payment and total cost. A longer term can reduce the monthly payment while increasing total interest. A disclosure page does not turn an illustrative calculation into an available loan offer.

7. Repayment, early payoff, and missed payments

You are responsible for the obligations in a loan agreement you accept. Review due dates, payment methods, any automatic-payment conditions, and consequences of late, missed, or returned payments. These can involve fees, additional interest, collection activity, and credit reporting, depending on the agreement and applicable law.

Hearth states that personal loans found through its platform have no prepayment penalties. Paying principal sooner may reduce future interest. Check your specific agreement and request an accurate payoff amount; an early-payoff statement is not a promise that no other charges apply.

Contact your lender or servicer promptly if you have repayment questions or difficulty making payments. Epic does not service or modify your loan.

8. Different products, collateral, and funding

Hearth’s network may include secured and unsecured products. A secured product requires collateral and can place the pledged asset at risk if you do not meet the agreement. Do not assume every option is unsecured or has the same rights, fees, or risks.

Our installment-loan examples are not 0% introductory-rate or deferred-interest promotions. A credit card, line of credit, home-equity product, or other financing option can have different terms and disclosures. Read the documents for the product you are actually considering.

A quick prequalification result is not a promise of immediate funds. Verification, lender processing, bank timing, and the product terms can affect funding and availability. Confirm the funding arrangements before relying on financing for a contractual payment.

9. Personal information, consent, and Hearth documents

Information you submit to Epic is covered by Epic’s Privacy Policy. Information submitted through Hearth or a lender is governed by that provider’s applicable privacy notices, authorizations, and agreements. Do not send Social Security numbers, bank-login credentials, or full account information through Epic’s general estimate form or ordinary email.

Hearth’s published notices describe collection and sharing of personal and financial information. Its terms also describe sharing loan-request, prequalification, application-status, and related information with an associated contractor. Review the notices and choices shown when you use the service; asking Epic for an estimate does not itself grant those financing authorizations.

Those documents belong to Hearth. We reference them to explain the separate service; this page does not replace them or accept them on your behalf. Use the contacts and privacy-choice instructions in Hearth’s current notices to raise a Hearth privacy request.

10. Contractor relationships and third-party services

Epic participates in Hearth’s contractor service. Hearth’s terms describe possible contractor-related compensation arrangements and information sharing. We do not represent here that Epic receives a particular referral payment. You may ask Epic about any arrangement relevant to your referral.

Choosing a financing service does not require you to waive consumer rights. Epic is responsible for its remodeling services and representations; the financing provider is responsible for its own services and obligations. This description does not release any party from duties imposed by law.

11. Questions, corrections, and contacting the right company

For questions about Epic’s remodeling estimate, contract, advertising, or this page, contact info@epicremodelingwa.com or (253) 377-5448. Please identify the page or statement involved so we can review the concern.

For Hearth’s platform or prequalification process, use Hearth’s support contacts. For a specific loan, approval, billing, payment, or credit-reporting issue, contact the lender or servicer identified in your loan documents.

You are welcome to contact Epic, but contacting us first is not a requirement for using the independent complaint resources below. Any legal deadlines or contract notice requirements that otherwise apply are not extended by this page.

12. Independent complaint and consumer-help resources

You may raise concerns with an appropriate agency, including concerns about Epic’s advertising or services. Each agency decides its jurisdiction and process; a complaint link does not guarantee investigation, compensation, or a particular result.

You may also seek independent legal advice or use other remedies available under applicable law. These resources do not replace lender notices, a court process, or individualized advice.

13. Advertising standards, government links, and your rights

Washington’s Consumer Protection Act, RCW 19.86.020 prohibits unfair or deceptive practices in trade or commerce. Federal Regulation Z credit-advertising rules address advertised credit terms and applicable disclosures. Applicability depends on the product and conduct involved.

Listing an agency, statute, license record, or complaint channel does not mean that a government agency has endorsed, approved, certified, or reviewed Epic’s advertising or financing information. Third-party accreditation does not approve a loan or guarantee a financial outcome.

Nothing on this page waives nonwaivable consumer rights, restricts a lawful complaint or report, prevents access to an agency or court, or excuses misleading statements. Reading this page is not a release of claims or an agreement to arbitration.

14. Updates and scope of this information

This page provides general consumer information. It is not individualized financial, legal, tax, or lending advice. Review the documents provided for your particular remodeling project and any financing offer, subject to applicable law.

Provider information, available products, terms, and external pages may change. We may update this page as information changes. A later website update does not itself amend an existing written remodeling or loan agreement.

Epic Remodeling Inc.
Washington contractor registration #EPICRRI741J2
info@epicremodelingwa.com · (253) 377-5448