Reconstruction after a water damage financing
Homeowner Financing
Insurance rarely covers all of it.
Deductibles, code upgrades, non-covered scope, and jobs your carrier denied outright. Approved homeowners can start the work now and pay over time through Regions Bank, with terms as long as 12 years and rates starting at 6.99% fixed APR.
Dry Pros LLC is not a lender and does not make credit decisions. All credit and loans are provided by Regions Bank, Member FDIC. See full disclosures below.
What homeowners actually use it for
A covered claim is not the same as a covered cost. These are the gaps we see most often on water, fire, and storm losses across Metro Atlanta.
Your deductible
Your policy is doing its job, but the first several thousand dollars is still yours. Financing lets you meet it without draining savings.
Non-covered scope
Carriers routinely deny portions of a legitimate scope. That work still has to happen for your home to be whole.
Code upgrades
Current code often requires more than what was there before. Coverage for that is capped or absent on many policies.
Full out-of-pocket
Slow leaks, maintenance-related losses, and denied claims. When there is no coverage at all, the repair still cannot wait.
Five financing options
All five are offered through Regions Bank. We have grouped them by how they charge interest, because that distinction matters far more than the headline number. Read the plain-language note on each one before you choose.
Fixed rate from day one
Your rate is your rate. Interest is calculated the same way for the life of the loan whether you pay it off early or ride it to the end.
12-Month Same-As-Cash
6.99% APRLoan code DEL2722 / Fixed rate / Terms up to 132 months
- No payment due for the first 12 months
- Interest waived entirely if the balance is repaid within 365 days
- Repayment terms from 24 to 132 months
- If no payments are made during the same-as-cash period, payments then run $12.32 to $21.05 per $1,000 borrowed depending on term
This is the best offer on the page and the one we point most homeowners toward. Pay it off inside a year and the interest disappears. Miss that window and you are still only at 6.99% fixed, which is a soft landing compared to everything else out there.
Reduced Interest Rate Loan
7.99% to 22.49% APRLoan code D3623 / Risk-based fixed rate / Terms up to 144 months
- First payment due 30 days after funds are released
- Repayment terms from 12 to 144 months
- Payments run $10.82 to $27.88 per $1,000 borrowed depending on term and rate
A straightforward installment loan with a slightly better rate range than the traditional product. Your actual rate depends on your credit. Good fit for a larger rebuild where you want the longest possible term and a predictable payment.
Traditional Installment Loan
8.99% to 24.49% APRLoan code DEL2622 / Risk-based fixed rate / Terms up to 144 months
- First payment due 30 days after funds are released
- Repayment terms from 12 to 144 months
- Payments run $11.37 to $29.03 per $1,000 borrowed depending on term and rate
The widest approval window of the five. If the other products come back declined, this is usually the one that clears. No promotional period to track and no deadline to miss.
Deferred interest, read carefully
On these two, interest starts building from the day funds are released. It is only erased if you clear the entire balance before the promotional window closes. If any balance remains, the accrued interest is charged at 19.99%. We will tell you this at the kitchen table too, but we would rather you read it here first.
18-Month Same-As-Cash with Payment
19.99% APRLoan code 3007LC / Deferred interest / Terms 60 to 120 months
- Interest waived only if the balance is repaid within 545 days
- Monthly payments begin 30 days after funds are released
- Repayment terms from 60 to 120 months
- Payments run $19.30 to $26.49 per $1,000 borrowed depending on term
This works beautifully if you know money is coming, for example a supplement, a settlement, a bonus, or a home sale, and you will clear the balance inside 18 months. If there is any doubt, the 6.99% product above will almost always cost you less.
24-Month Same-As-Cash with Payment
19.99% APRLoan code 3009LC / Deferred interest / Terms 60 to 120 months
- Interest waived only if the balance is repaid within 730 days
- Monthly payments begin 30 days after funds are released
- Repayment terms from 60 to 120 months
- Payments run $19.30 to $26.49 per $1,000 borrowed depending on term
Same structure as the 18-month, with six more months on the clock. The extra runway is real, and so is the risk if you miss the date. Set a calendar reminder for month 22 the day you sign.
How it works
Prequalification happens directly with Regions Bank. We never see your full application, your credit report, or your financial details.
Get your scope
We assess the loss, document it, and give you a written scope and price. You need a real number before financing makes any sense.
Pick your option
Choose the product that fits how you will actually repay. Ask us to walk through the difference. That conversation is free and it matters.
Prequalify
Use the link for your chosen product. The application goes straight to Regions Bank. Most homeowners hear back quickly.
We get to work
Once Regions approves and you authorize the work, we schedule and start. Funds are released according to your loan terms.
Questions homeowners ask
Can I finance my insurance deductible?
Yes. Financing your deductible is entirely legitimate. What is not legitimate, in Georgia and most other states, is a contractor waiving, rebating, or absorbing your deductible for you. We will never offer that, and you should walk away from any contractor who does. Financing it means you still pay it, just over time.
What is the difference between a fixed rate and deferred interest?
With a fixed rate loan, you know the cost of borrowing from the start and it does not change. With deferred interest, interest quietly accrues from day one and is forgiven only if you clear the full balance before the promotional window ends. If you are one dollar short on the final day, the entire accrued amount is charged. Both have their place. Know which one you signed.
Do I have to use financing to work with Dry Pros?
Not at all. Plenty of our work is paid directly by a carrier or out of pocket. Financing is simply an option so that a coverage gap does not turn into a delayed repair.
Does Dry Pros make the credit decision?
No. Dry Pros LLC is not a lender. All credit approvals, rates, terms, and loan servicing are handled by Regions Bank, Member FDIC. We are an approved contractor in their program, which is how you get access to these rates.
Can I pay it off early?
Yes, and on the same-as-cash products that is exactly the point. Paying off within the promotional window is what erases the interest.
Required disclosures
The following language is provided by Regions Bank and reproduced without alteration, as required under the Truth in Lending Act.
12-Mo Same-As-Cash Loans (10 Year, 6.99% Fixed)
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 6.99% fixed APR. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days. Repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after funds are disbursed. If no payments made during same-as-cash period, monthly payments vary from $12.32 to $21.05 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Risk-Based Reduced Interest Rate Loans
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 7.99% to 22.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. Monthly payments vary from $10.82 to $27.88 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.
Risk-Based Traditional Installment Loans
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. Monthly payments vary from $11.37 to $29.03 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.
18-Mo Same-As-Cash Loans with Payment
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of {{DISCLOSURE_DATE}}, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 545 days. Repayment terms vary from 60 to 120 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. Monthly payments vary from $19.30 to $26.49 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
24-Mo Same-As-Cash Loans with Payment
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of {{DISCLOSURE_DATE}}, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 730 days. Repayment terms vary from 60 to 120 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. Monthly payments vary from $19.30 to $26.49 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Equal Housing Lender · Member FDIC · IICRC Certified Firm
