Home Services Financing Pre-Qualification: The Contractor Playbook
Know which homeowners can afford the project before the estimate.
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Screen before the truck rolls
Estimators only visit qualified homeowners.
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Program-match to lender
Verdict includes which financing partner fits.
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Close rate lifts
Qualified leads close 2–3× the industry baseline.
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CAC per install drops
Fewer dead estimate visits per closed job.
The Truck-Roll Problem
The average roofing or HVAC contractor spends $150–$400 in labor and fuel per estimate visit. Industry close rate on those visits sits between 18% and 28%. The bottom half of that gap is homeowners who wanted the project but couldn't get financed. Pre-qualification kills that gap by screening for GreenSky, Service Finance, and Synchrony eligibility before the estimator is dispatched.
What It Screens
- Soft-pull FICO tier
- Estimated financing capacity for the ticket size
- Lender-specific eligibility (GreenSky, Service Finance, Synchrony, Sunlight)
- Homeownership + property zip match
Frequently Asked Questions
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GreenSky, Service Finance, Synchrony HOME, Sunlight (solar), and Enerbank are the most common. Pre-qualification returns likelihood of approval for each without submitting a formal application.
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No — pre-qualification runs after form submit and returns a verdict to the contractor internally. The homeowner never sees a rejection.
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Anything $3k+ where an estimate visit costs real dispatch dollars. Roofing, HVAC replacement, solar, kitchen remodel, bath remodel all clear the bar.
See it on your pipeline
Schedule a 30-minute demo and we'll map the pre-qualification layer to your current stack.