Why we offer financing
Hoarding cleanup is often expensive. It's slow, careful work, and in a very full home it can take a crew several days, plus dumpsters, disposal fees and deep cleaning. We don't hide that.
Most families don't have that kind of money set aside for something they didn't see coming. A parent's fall, a notice from the city, a landlord deadline or a house that needs to be ready to sell can show up all at once. Waiting a year to save up isn't always an option, especially when someone's safety is involved.
Financing lets you spread the cost over time so the work can start when it needs to.
How does financing work?
It's meant to be simple.
- Get your free estimate. Your local project manager looks at photos or walks through the home and gives you a written estimate. That's the amount you'd be financing.
- Apply. The application asks for basic information.
- Choose a plan. If you're approved, you'll see the plan options available to you and pick the one with a monthly payment you're comfortable with.
- We schedule the work. Your cleanup is booked like any other job. Financing doesn't push your start date back.
Your project manager can walk you through it on the phone if you'd like. Nobody will pressure you to finance, and you can still pay another way if you prefer.
Who can apply?
Anyone paying for the cleanup can apply. That might be the person who lives in the home, an adult son or daughter helping a parent, a sibling handling an estate, or a landlord dealing with a unit.
If you're helping a parent, it's worth talking with the family about who will be responsible for the payments before you apply. Our page on helping a family member has more on working through this as a family.
If you're handling an estate, some families choose to finance the cleanout and then pay it off when the house sells. Read our estate cleanout page for more on that kind of job.
What does financing cover?
Financing can be used for the work in your estimate. That usually includes sorting and saving belongings, removal and hauling, donation and recycling, deep cleaning and deodorizing, and the final walk-through. Your estimate lists exactly what's included.
We don't do repairs, so financing through us won't cover things like new flooring or drywall. If the home needs repairs after the cleanout, your project manager can connect you with trusted local professionals.
Other ways to bring the cost down
Financing is one option. There are also a few ways to lower the total. Being flexible on timing, deciding early as a family what to look for and what can go, and bagging obvious trash ahead of time (only if that's safe and doesn't cause conflict) can all help. Our hoarding cleanup cost page explains what drives the price and how to keep it down.
Common questions
Do I need financing to work with you?
No. Financing is just one option. You can pay another way, and your project manager will go over payment when you get your estimate.
Will financing delay my cleanup?
No. Once you're approved and choose a plan, your job is scheduled like any other. The point of financing is that the work doesn't have to wait.
Can I finance a cleanup for my parent's home?
Yes, the person paying for the work can apply, even if it isn't their home. It helps to agree as a family on who will handle the payments first.
What are the rates and terms?
Rates and terms depend on the financing partner and your application. Your project manager can explain the current options when you reach out.
Reach out for a free, private estimate, and ask your project manager about financing.