Roof Financing in Greater Houston, TX

Often, yes. 100% financing is available to qualified applicants, which means the work can start without money up front. Approval depends on your credit profile, the project cost and the plan you choose.

We will need to inspect the roof and give you a written estimate first, because the application needs a project figure.

The 9.99% plan over 180 months has the smallest monthly figure of anything we offer, at a payment factor of 1.07%. On a $12,000 roof that is roughly $128 a month.

It is also the most expensive plan in total, at roughly $23,040 over the fifteen years. We will always show you both numbers, because a monthly figure on its own does not tell you what something costs.

Clear the whole balance within 18 months and you pay no interest at all. That part is genuine, and on the right household it is the best offer on this page.

If the balance is not cleared in time, interest is charged at 28.99% calculated from the beginning of the loan, not from month 18. The lender's minimum monthly payment is usually smaller than the amount needed to clear the balance in time, so paying only the minimum is how people get caught. Divide the project by 18 — if that figure is comfortable, take the plan. If it is not, take a fixed rate instead.

Nothing is due and no interest accrues for the first six months. From month seven you make 120 monthly payments at 9.99% APR, at a payment factor of 1.32%. It is a Service Finance program.

It suits a claim that is still settling, or a household that needs the roof now and the payments later. Unlike the 18-month plan, nothing is charged back to you at the end of the deferral — the six months really are free.

If you can clear the balance inside eighteen months, the same-as-cash plan costs you nothing to use. If you cannot, take the shortest fixed term you can comfortably afford — that is the 8.99% plan over 70 months, and it has the lowest total cost of anything here.

The longer terms exist because a smaller monthly payment is sometimes the difference between a roof and no roof. They are not a trick, but they cost more, and we would rather tell you that than let you find out.

Possibly, though we will not promise it. Approval and the rate offered are decided by the lender, not by us, and depend on credit profile and income.

What we would say honestly: applying and being declined does no lasting harm, and it is better to know than to assume. If financing is not available, we can talk about phasing the work — a repair now and the replacement later, with up to 25% of the repair credited against the replacement.

No. Every plan on this page is unsecured consumer credit — not a second mortgage, not a home equity line, and no lien on the property.

That is the main reason homeowners choose it over a HELOC for a roof: no appraisal, no closing costs, and the house is not attached to it.

Yes, and there is no prepayment penalty on the fixed-rate plans. Paying down early cuts the interest rather than simply finishing sooner.

A reasonable strategy is to take a longer term to keep the required payment low, then overpay whenever a good month allows it. Ask the lender to apply anything extra to principal.

Instant, in most cases. The application goes through the lender's own secure portal and comes back with a decision in minutes. A minority need extra verification and take longer.

Worth being precise about the wording, because plenty of contractors are not: what is instant is the decision, not the approval. Nobody can promise you an approval, and anyone who does is telling you something they are not in a position to know. What we can tell you is that you will not be left waiting to find out.

Applying does not commit you to the work.

Yes. If your claim is approved but the deductible is holding the work up, it can be financed like any other roofing cost — you pay it in full, over time rather than all at once.

What no contractor in Texas may do is pay, waive, absorb or rebate it for you. That is illegal, and it puts your claim at risk. More on roof insurance claims.

A bank, in both cases. The 18-month same-as-cash plan and the 8.99% plan are through the Wells Fargo Home Projects credit card, issued by Wells Fargo Bank, N.A. The 6-month deferral and both 9.99% plans are through Service Finance Company, LLC, a Truist company. We are a participating contractor, not the creditor, and we are not paid more for steering you toward one plan over another.

That is worth knowing, because not all contractor financing works this way. Some programs are run by financial technology companies rather than lenders, and their own disclosures state that the company managing the program is not the creditor. Ask any contractor: is the company on my paperwork the actual lender?

Roof repair, full replacement, storm damage work, metal roofing, gutters, siding, and commercial roofing for business property.

Doing several at once is usually cheaper than separately — one mobilization instead of three.