Roof Replacement/Repair Financing

Fast and simple home improvement loan for your new roof or re-roof needs. A home improvement loan does Not require any home equity for roof financing.


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Roof loans

Roofing loans have a key advantage: you get the money you need upfront.

Although this lack of flexibility may seem cumbersome, it actually incentivizes you to map out a detailed budget before you begin. Houzz found that few homeowners stay on budget during renovations, which leads to overspending.

Before getting the home improvement loan, you should know how much financing you’ll need for your roof replacement. We recommend consulting with 3 or more professionals to get a robust estimate.

The right roof replacement loan option for you depends on two factors:

Your home equity: If you don’t have much equity in your home, then you’ll have to consider an unsecured option such as a personal home improvement loan. In other words, unsecured means the financing option doesn’t require your home equity as collateral.

Your timeframe: If you don’t already have a line of credit open with your bank, then it could take 4-6 weeks to apply for and receive funds for your new roof. This time frame is too long for many urgent roofing projects.

Let’s take a look at each loan option and see how your home equity and timeframe should influence your decision:

Personal loans for roofing

If you’re on a tight timeframe and don’t have enough equity in your home, then a personal roof loan may be the right roof financing choice for you. We described above how Hearth can help you find the right personal loan for your roof.

Home equity loans for roofing

If you have more time, you may want to consider a home equity loan. These home improvement loans will have lower rates than home improvement loans, but they can take 4-6 weeks to approve. You’re also likely to pay hefty closing costs, and could face prepayment penalties if you pay the loan back early.

Like personal loans, home equity loans are also good for financing a roof replacement or major repair.

Important note: roof financing options secured by your home equity are tax deductible, while those that do not require home equity are not.

FHA 203(k) and other government roofing loans

Your state and the federal government may have special programs for some types of roof repairs. You may also be able to qualify for a roof repair grant if a home improvement loan isn't an option for you.