Flexible Financing for Your Hill Country Home Project
40 Acres Construction has partnered with Acorn Finance so you can compare personalized loan offers from top lenders in minutes. Checking your options won't affect your credit score.
Financing is available on every 40 Acres Construction estimate.
When Financing Makes Sense
Some projects can't wait, and some are worth doing right the first time. Financing lets you break your project into monthly payments instead of paying for everything up front.
Storm, Water & Fire Damage Repairs
When storm, water, or fire damage hits, repairs need to start fast. Financing can help you cover your insurance deductible or repair costs your policy doesn't pay for, so the work isn't delayed.
Storm & water damage services Fire damage restorationMold Remediation
Mold doesn't wait for a better time. Financing helps you move forward with remediation now instead of putting it off while you save.
Mold remediation servicesKitchen & Bath Remodels
Choose the finishes you actually want instead of settling, and spread the cost into payments that fit your budget.
Remodeling servicesFinish the Whole Project at Once
Instead of splitting a remodel into phases over several years, financing lets you complete it in one project, on one timeline.
How It Works
- 1
Check your options
Click below or ask your 40 Acres Construction project manager for the link. Answer a few quick questions to see pre-qualified offers, with no impact to your credit score.
- 2
Choose your offer
Compare offers from multiple lenders and apply for final approval directly with the lender you choose.*
- 3
Start your project
If approved, you could be funded in as soon as 24 hours* and use the funds to pay for your project.
Why Homeowners Choose Acorn Finance
- No impact to your credit score when checking pre-qualified offers
- Loan amounts up to $100,000 (in Texas, loans start at $2,000)
- Offers from a network of top online lenders, side by side
- No prepayment penalties
- Co-borrowers welcome
Financing for Homeowners Across the Texas Hill Country
40 Acres Construction is a veteran-owned general contractor based in Boerne, serving homeowners in Fair Oaks Ranch, Bulverde, Spring Branch, Comfort, Kerrville, Helotes, and Bandera, along with Kendall, Comal, Kerr, and Bandera counties and northern Bexar County. Whether you're recovering from storm damage or planning the remodel you've been putting off, financing through Acorn Finance gives you another way to get your project done.
Financing FAQs
Who is Acorn Finance?
Acorn Finance is a lending marketplace where the nation's premier online consumer lenders pre-qualify customers for personalized loan options in 60 seconds, with no impact to the homeowner's credit score. Acorn Finance uses an initial soft credit inquiry to provide access to competitive, fixed-rate loans through a fast and easy online process.
Is 40 Acres Construction the lender?
No. 40 Acres Construction is not a lender and does not make credit decisions. Financing is offered through Acorn Finance's network of lending partners, and all loans are subject to credit review and approval by those partners.
Do I have to use financing to work with 40 Acres Construction?
No. Financing is an optional way to pay. It's available on every estimate, and you're never required to use it.
What types of lending options are available?
Depending on the lender that fits you best, you may be offered a personal loan or a personal line of credit. A personal loan lets you borrow money now and pay it back over time with fixed monthly payments. Personal loans have fixed rates of interest and may be unsecured (no collateral) or secured (collateral required). A personal line of credit allows you to borrow at any time based on a preset limit. As long as your account is open and your credit remains in good standing, you can borrow up to the maximum amount and pay interest only on the amount you actually borrow.
How much can be borrowed?
Acorn Finance's network of lenders extends loans from $1,000 up to $100,000 for qualified consumers. In Texas, the minimum loan amount is $2,000.
What can the funds be used for?
Anything, including your project with 40 Acres Construction.
How long does it take to get approved?
Qualified applicants can be approved quickly during business hours and may receive their funds as soon as within 1 business day.
Are there any fees?
Acorn Finance's lenders charge no penalties for early repayment, and no processing fees on loans of more than $40,000. If you borrow less than $40,000, some lenders may charge an origination fee between 1-6%. You'll see no-fee options clearly highlighted on your offers page, so you can make a fully informed choice.
Can a co-borrower be included?
Yes. Co-borrowers are encouraged to apply and can be added immediately after the initial applicant submits their information.
Will checking my options affect my credit score?
Pre-qualifying uses a soft credit pull, which does not impact your credit score. If you choose an offer and move forward with a lender, that lender will conduct a hard credit pull, which could impact your credit score.
Ready to See Your Options?
It only takes a few minutes, and checking won't affect your credit score.
Check My Financing OptionsQuestions? Call us at (830) 400-4420.
*All loans and other financial products are subject to credit review and approval by Acorn Finance's lending partners. If approved, funding times may vary. Pre-qualification uses a soft credit pull that does not impact your credit score; however, lending partners will conduct a hard credit pull when you express interest in an offer, which could impact your credit score. 40 Acres Construction is not a lender, does not make credit decisions, and does not arrange loans. Financing is offered through Headway Sales Inc. DBA Acorn Finance, NMLS ID# 1817022.