For contractors
The project was wanted. The funding didn’t fit.
Contractors run into this every week. The homeowner likes the scope, trusts the crew, and still pauses because another monthly payment does not fit the way they want to pay for the work.
Why projects stall
The work was never the objection.
You already earned the conversation. The estimate is in the CRM. The site visit happened. The homeowner said the project made sense. Then the funding path asked for a payment they did not want to add.
That stall is common for solar and battery installers, roofers, ADU builders, remodelers, HVAC contractors, electricians, window and door companies, and other home improvement businesses. The trades differ. The sentence at the kitchen table often does not.
Where an HEA may enter
After the yes, when the payment is the pause.
A Home Equity Agreement may give an eligible homeowner another option to explore when traditional financing does not fit. It is not a rescue for every lost lead, and it is not a product you underwrite. It is a funding structure worth understanding so you can mention it accurately, then let the provider take the conversation.
Solar and battery installers
For crews whose customers want the system, and whose funding conversation stalls on another monthly payment.
Roofing contractors
For roof replacements and related exterior work that the homeowner already agreed the house needs.
ADU builders
For larger residential projects where the scope is wanted and the payment structure is what pauses the start date.
Remodelers and home improvement companies
For kitchens, baths, and whole-home work where the estimate is done and the funding path is not.
Project categories
If you improve homes, the stall will look familiar.
The same funding hesitation shows up across residential work. These examples are illustrative, not a list of approved project types.
Roofing
02
ADUs & Additions
03
Kitchen & Bath
04
HVAC
05
Electrical
06
Windows & Doors
07
Outdoor Improvements
08Examples are illustrative. Eligible uses and qualification requirements depend on the applicable funding provider and program terms.
Keep the roles separate.
You remain the contractor. The funding provider remains responsible for qualification and the contract.
Your side of the table
The contractor’s role
- Recognize when another funding conversation may be useful.
- Share accurate, approved information.
- Avoid estimating qualification, fees, or a settlement amount.
- Introduce homeowners who want to learn more.
- Return to the project if they proceed and funding is provided.
Their side of the table
The provider’s role
- Reviews eligibility under its own requirements.
- Handles the application.
- Provides disclosures and explains the contract.
- Describes fees, liens, settlement events, and other obligations.
- Makes the funding decision.
Revisiting stalled estimates
The next conversation may already be in your pipeline.
These are illustrations of the kind of job that stalls. They are not a claim that any of them would qualify.
Estimate
Open
$28,000
Roof replacement
Customer wanted the project.
Funding stalled.
Estimate
Open
$85,000
ADU project
Project postponed.
Monthly payment didn’t fit.
Estimate
Open
$42,000
Solar + battery
Customer interested.
Financing conversation stopped.
Illustrative examples, not actual customer records.
Some stalled projects may simply be worth another funding conversation.
ProjectFundingIQ helps contractors understand another option they can introduce when appropriate — without turning the contractor into the funding expert.
How to introduce it
Say less than you think you need to.
Mention the option when another monthly payment is the reason a wanted project is waiting. Then stop. You do not need a rate, a term, or a prediction.
“If another monthly payment is what is holding this, some eligible homeowners look at a Home Equity Agreement. I don’t decide who qualifies. The provider explains the contract if you want to learn more.”
An example of plain language, not a required script.
For contractors
You introduce the option. The provider handles the funding conversation.
- 01
Join the partner program
Learn about the program and available partner resources.
- 02
Introduce the option
Share the approved information with homeowners interested in exploring an alternative funding route.
- 03
Provider takes over
The funding provider handles qualification, application, disclosures, contractual information, and funding decisions.
- 04
Get back to the project
If the homeowner chooses to proceed and receives funding, you continue doing what you do best: completing the project.
Questions contractors ask first
Do I need to become a funding expert?
No. Your role is to recognize when another option may be worth introducing, and to share accurate, approved information. The provider explains qualification, disclosures, and the contract.
Am I offering financing if I mention an HEA?
Introducing an option is not the same as approving, pricing, or documenting it. Do not present yourself as the funding source, and do not estimate what a homeowner will qualify for or later owe.
What if the customer cannot get a HELOC?
That fact alone does not mean the homeowner will qualify for an HEA. Eligibility is a separate, provider-specific review. Say that plainly so the conversation stays trustworthy.
Can I tell the customer there is no monthly payment?
You can say that an HEA generally does not require a monthly loan payment during the applicable term, and that it is not free money. The settlement, fees, and other obligations still have to be explained by the provider.
What happens after I make an introduction?
The provider handles the funding conversation: qualification, application, disclosures, contractual detail, and the funding decision. If the homeowner proceeds and funding is provided, you return to the project.
Should I promise this will restart a stalled job?
No. Some stalled estimates may be worth another conversation. An introduction does not guarantee qualification, funding, or a signed contract.
Another option to exploreKeep the project moving
Give another project another conversation.
Join the partner program when you want to learn how this option can sit beside the estimates you already have.
You’ll continue to the HomeWealthIQ partner experience.