Financing FAQs: What Homeowners Want to Know

No. While stronger credit can improve your available terms, we work with financing partners who offer a range of options for various credit profiles. Many of our clients have average credit scores and still receive competitive terms. Pre-qualification is often available without impacting your credit score.

In most cases, we can offer pre-approval or soft credit checks to determine eligibility before a full application is submitted. If you decide to move forward with a loan, a hard inquiry may be required — but this only happens once you choose a specific plan and move forward with the financing process.

Most homeowners receive a decision within minutes of applying. Some of our partners offer same-day approvals and digital document signing, which means you can often begin work right away without waiting on long approvals.

Financing can be used for full roof replacements, siding upgrades, new gutter systems, storm damage repairs, or any combination of exterior work we provide. It’s also commonly used to fund deductible costs or enhancements that aren’t covered by insurance claims.

Yes. Financing is often used to supplement insurance coverage — especially when the claim doesn’t fully cover material upgrades or elective additions. We’ll help you break down what’s covered by your carrier and what you may want to finance separately.

That’s perfectly fine. During your estimate, we’ll give you a clear project cost and discuss available financing options. You’re not locked into a decision until you see the full scope and terms. Many clients start by exploring general options, then decide on financing once the full estimate is in hand.

Yes, some of our financing partners offer promotional terms such as zero-interest plans for short periods or reduced interest over a fixed term. These programs often change, so we’ll review the latest options during your consultation and help you choose the best fit.

Absolutely. Many clients finance a full exterior project that includes roofing, siding, and gutters. This allows you to complete everything at once and spread the cost out over time. We’ll help you bundle the project under a single financing agreement if that’s your preference.

Not at all. While many homeowners turn to financing during unexpected repairs, we also work with clients planning long-term upgrades. Some simply want to preserve their cash flow while increasing their home’s value. Financing gives you flexibility — whether the work is urgent or strategic.

We do both. If a repair is possible and cost-effective, we’ll recommend it. We’re not in the business of upselling — we’re here to make sure your home is protected, and that starts with giving you the right information.