Big Repair, Empty Pockets? We’ve Got You Covered.

A septic repair or replacement can be a big, unexpected expense—but it doesn’t have to drain your bank account all at once. At J.L. Martin & Sons, we offer flexible financing options to help you get the work done now and pay over time.


🏦 Option 1: Get Pre-Qualified with Hearth

We’ve partnered with Hearth to make financing simple and stress-free.
✅ Check rates in minutes—without affecting your credit score
✅ Choose from multiple monthly payment plans
✅ Apply online, anytime

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📜 Option 2: Apply for the State Program – PennVest

Through the PennVest Homeowner Septic Program (sponsored by the Pennsylvania Housing Finance Agency), you may qualify for:
💲 Low fixed interest rates
📆 Extended repayment terms
🏡 Funding for septic repairs, replacements, or connecting to public sewer

Who Can Apply?

  • Pennsylvania homeowners with a failing septic system or a property requiring connection to public sewer
  • Income limits and other eligibility requirements apply

 Learn More About PennVest ➡️ HERE


📞 Call us today to discuss your repair needs and get started with the financing option that’s right for you.
J.L. Martin & Sons – We keep your system running and your wallet breathing easier.