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What Are My Financing Options for a New Roof?
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What Are My Financing Options for a New Roof?
When you replace your roof you may ask what are my financing options for a new roof? However, you do not have to drain your bank account to perform this common home improvement. Many roof financing options are available that will help you carry out your project from Dahlonega, GA to Murphy, NC.
Below, we’ll explore the typical roof financing options, so you can choose the one that suits you.
8 Ways to Finance a New Roof
Common Roofing Problems for Residential Roofs
The first step to finding problems on your roof is performing a thorough inspection. On one of these inspections, we look for common areas that cause leaks, including the following:

Personal Loan
These unsecured loans provide fixed amounts of money you can pay over set periods. Usually, you’ll have a few years to pay. Service Finance offers these types of roof financing loans.
There’s no collateral when you finance with a personal loan, so you don’t risk any asset. Also, you can lock in these loans at lower rates than credit cards.
However, personal loan rates are commonly higher than those of home equity loans. You can’t claim a tax deduction on the interest you pay on a personal loan.

Home Equity Loan or Home Equity Line of Credit (HELOC)
Your home builds equity over time and you can borrow money against it. The sum will be subject to a loan-to-value ratio evaluation.
The home equity financing rates are usually lower than other roof replacement financing options since the home serves as collateral. Likewise, since your home is backing the loan, you should have a steady income and strong credit.

Homeowners Insurance
Through an insurance claim, you may obtain funding for an unforeseen event – hail or windstorm – is the cause for the replacement. As a reminder homeowners insurance will not cover wear and tear roof damage.

Cash-Out Refinance
You can take money out from your home equity replacing your current mortgage with a new home loan for more than you owe. Then, you can use the surplus to finance your new roof replacement. Typically, it offers lower interest rates than home equity loans or HELOCs. You may also qualify for a mortgage interest deduction.

Government-Insured Loan
Don’t you have enough equity to borrow against your home? You may qualify for a government-insured fixed-rate FHA loan. They require lower minimum credit scores than conventional loans. Yet, you must have a debt-to-income ratio below 45%.

Credit Card
Through credit cards, you can get a higher spending limit than personal loans. If you have strong credit and can secure a card at 0% APR, you’ll save a significant amount of money over the financing term.

Company Financing
Based on your budget and the project expense, your roofer can help you cover the roof replacement cost by working with the bank.
Thanks to volume lending, financing companies can offer better payment conditions than banks and other lenders.

What Are My Financing Options for a New Roof? Should You Pay for a Roof with Cash?
Cash is the best alternative to pay a new roof since you avoid interest payments on home equity loans.
Unfortunately, most American homeowners don’t have the savings needed to pay with cash on a significant investment like a new roof replacement. So, in many cases, this isn’t an option for most people.
Roof Financing Through RRG
At RRG, we focus on giving you the peace of mind you need, want, and expect.
We know that conducting a roof replacement can be stressful. So, we offer convenient financing to every homeowner’s budget and keep our roof financing options as simple as possible. Through our financing partners like Service Finance, or Hearth RRG can offer attractive financing rates for your roofing project.

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Our Financing Options
RRG determines what fits each homeowner’s budget. We help with everything from Term Loans to lines of credit.
For example, with a minimum of $5k financed, we can get you low monthly payments.
Financing through RRG has major advantages:
- Competitive rates
- Payments that fit your budget
- No hidden costs
- Unsecured loans up to $75,000
- Easy-to-understand paperwork
RRG can get you special rates and packages due to the volume we push through the financing companies.
Usually, smaller roofing companies don’t provide financing, and many can’t offer competitive rates due to lack of volume.
Our Process
RRG respects your privacy.
Using a web-based contract solution with end-to-end encryption, each homeowner fills out a credit application on an iPad or iPhone with a financing service provider like Service Finance.
Your paperwork is sent directly to Service Finance by their client portal so it’s secure.
At RRG we do not have access to any of your personal information giving you another added layer of security.
At RRG we clearly explain your options to be sure you’re comfortable with your roof financing options.
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What Are My Finance Options for a New Roof? RRG Makes Roof Replacement Financing Easy
At RRG we are here to answer that question, what are my finance options for a new roof? You can learn how you can qualify for new roof financing with RRG in Georgia or North Carolina. Check out our current promotions or call RRG today at 678-325-6949 to see which roof financing option can help make your new roof a reality.