Questions before the project begins
Clear answers about estimates, contractors, and financing.
What is NHRP?
National Home Repair Program helps homeowners look for an appropriate available contractor, arrange a project site visit, request an estimate, and explore optional financing that may allow eligible costs to be repaid over time.
Is NHRP a government program?
The business materials supplied for this website do not establish NHRP as a government agency or government benefit program. This site does not present it as one.
Where is service currently offered?
NHRP currently targets major projects within approximately 70 miles of Bellevue, Washington and 65 miles of Portland, Oregon. Contractor and project availability still varies by ZIP code.
Does submitting a form guarantee a contractor?
No. A request starts the availability and project-review process; it does not guarantee a match, schedule, price, or project acceptance.
Is the estimate free?
NHRP promotes a free initial home-improvement estimate. Confirm what is included for your project before scheduling any later paid inspection or specialty work.
Does NHRP guarantee financing?
No. Financing options may be available through participating providers and are subject to credit approval. Rates, fees, terms, eligibility, and availability vary.
Will the estimate affect my credit?
The initial project request does not ask for a credit score, Social Security number, banking details, income, or debt. Ask the participating finance provider whether a later inquiry is soft or hard before applying.
What should I compare before accepting financing?
Review the amount financed, APR, fees, repayment term, total of payments, and the complete contractor agreement—not only a monthly payment.
Who performs the work?
Work is performed by the contractor named in your project agreement, not by this website. Confirm the contractor identity, licensing, insurance, responsibilities, and warranty in writing.
What projects can I request?
NHRP currently focuses on $10,000+ asphalt, metal, and TPO/PVC roofing; luxury vinyl plank, hardwood, and tile flooring; decks, siding, patio covers, and concrete; complete kitchen and bathroom renovations; and larger drywall projects. Availability varies.
What information should I have ready?
Your ZIP code, project type, a short description, your preferred timeframe, and a reliable phone or email are enough to begin.
Should I sign the contractor and financing agreements together?
Take time to review both agreements separately. One explains the work; the other explains the cost of credit. Ask questions and keep copies.