Flexible Financing Options

Unexpected damage to your home is stressful enough on its own. Figuring out how to pay for it should not make it harder.

That is why Oregon Restoration has partnered with Momnt to make flexible financing options available to homeowners, providing a way to move forward with needed restoration and reconstruction projects when paying everything upfront is not ideal.

A Practical Way Forward

Through our partnership with Momnt, our clients may apply for a consumer loan to cover restoration and repair services provided by Oregon Restoration.

Financing is an optional service available to eligible homeowners who want flexibility in how they manage the cost of restoration and repair work. It is designed to support situations where damage is unexpected, insurance timing is uncertain, or paying the full cost upfront is not ideal.

The financing options available through Oregon Restoration are offered through our financial services partner, Momnt, and arranged through participating financial institutions.

They are designed specifically for home improvement and restoration projects and are available in connection with services provided by Oregon Restoration

Whether or not you choose financing, our focus remains the same: restoring your home properly with as little disruption as possible.

Flexible Repay Options

Review multiple repayment options and choose the one that fits your situation.

Soft Credit Inquiry

Explore available options without affecting your credit score and before making any committment.

SimplE Application

Apply using a short online form designed to be quick, straightforward, and easy-to-complete.

Help when you need it most

Our process always begins with an inspection and a clear, transparent estimate so homeowners can make informed decisions about the work itself before considering payment options.

Once the scope and cost are understood, our team can help explain how financing may fit into the project. 

If a homeowner chooses to explore financing, the application is completed directly through our partner, Momnt*, using a short online form that collects only the information required to determine eligibility. A soft credit inquiry is used at this stage, which does not affect your credit score. Qualified borrowers can access up to $75,000, and there are no early payment penalties.

After submitting an application, you will receive your financing options almost immediately so you can review them and decide whether to proceed. It’s really that simple.

See if you pre-qualify today with no impact on your credit score by clicking the button below!

Equal Housing Lender logo

*Momnt Technologies, Inc. arranges consumer loans used to purchase goods and services from its participating merchant businesses. All loans are originated by participating financial institutions.

Frequently Asked Questions

Below are answers to some of the most common questions homeowners ask about how financing fits into the restoration process. If you still need clarity, our team is always available to help walk you through next steps.

Does Oregon Restoration provide in-house financing?

Oregon Restoration does not provide or underwrite financing directly. Financing is arranged through our partner, Momnt, and originated by participating financial institutions.

Financing is completely optional. Our team provides inspections, estimates, and restoration services whether or not financing is used.

Financing is typically introduced during or shortly after the inspection, once there is a clear understanding of the scope of work and a rough cost range. This allows homeowners to understand what is involved before considering payment options.

Financing is arranged through our partner, Momnt, and originated by participating financial institutions. Oregon Restoration does not provide or underwrite loans.

A soft credit inquiry is used to review available options, which does not affect your credit score. The offers shown are the same options you would receive after completing a full application.

No. These options are structured specifically for home improvement and restoration projects and are tied to services provided by Oregon Restoration.

No. The options available through Momnt are structured through regulated financial institutions and are designed for home improvement and restoration, not short-term or high-pressure consumer lending.

You can apply at any time, but it is usually most helpful to explore financing after the inspection, once there is a clear sense of the scope of work and a rough cost range.

Each financing application is for a specific amount. If the final cost changes, a new application may be needed. For that reason, most homeowners find it easier to review financing options once they understand what the project  cost are.

That is completely fine. Exploring financing does not create any obligation to proceed, and choosing not to use it does not affect how we approach your project.

No. The financing offered through Oregon Restoration is set up specifically to pay for work we perform. It’s arranged through our partner Momnt and tied to your Oregon Restoration project, so it can’t be applied toward services from another company. If you need financing for work outside of what we’re handling, that would be a separate arrangement through a lender of your choosing.

You are not required to use the full amount you are approved for. Financing is tied to the actual cost of the work performed, and you only use what is needed for your project.

If your final project cost is lower than expected, the unused portion simply is not used. If you are unsure how this applies in your situation, our team or Momnt can help clarify.

That loan is connected to your Oregon Restoration project, but it is managed by Momnt and the financial institution that originated it.

For any questions about your loan, payments, statements, or account details, you should contact Momnt or your originating financial institution directly.

For questions about your restoration work, the scope of the project, or the services being performed, our team at Oregon Restoration is always here to help by calling 503-822-0017.

Our team is always available to answer questions about the restoration process, the estimate, or how financing fits into your project. You are welcome to contact us at any point.