Financing Options
Financing Options | Roof Replacement | Roofing | Georgetown
When an aging roof starts leaking or storm damage puts your home at risk, HEP makes it easy to move forward with a full roof replacement without draining your savings. Our Georgetown customers can choose from flexible financing plans that feature quick approvals, low monthly payments, and zero– or low-interest options. Whether you prefer to spread the cost over a few months or a few years, our team will help you find a payment schedule that fits your budget and keeps your project on track.
From the first inspection to the final shingle, you’ll have a local, licensed crew and a dedicated financing specialist working side by side. We handle the paperwork, explain every term in plain English, and never spring hidden fees, so you can focus on the beauty and protection a new roof brings. Upgrade your home with confidence, knowing that HEP’s financing solutions put a durable, energy-efficient roof within easy reach of every Georgetown homeowner.
FAQs
What financing options are available for roof replacement in Georgetown?
We partner with several reputable lenders to offer a range of programs, including low-monthly-payment installment loans, same-as-cash plans (0% interest if paid within the promotional period), and longer-term fixed-rate loans up to 144 months. This variety lets you choose a plan that fits your budget, whether you prefer to pay the balance quickly with no interest or spread payments out over time.
How do I apply for financing and how long does it take?
Applying is simple: after you approve your roofing quote, our project consultant will help you complete a secure online application or a brief phone application with the lending partner. Most customers receive an approval decision within minutes. Once approved, we schedule your roof replacement right away—there’s no need to wait for paperwork to arrive.
Will applying for financing affect my credit score?
Our lending partners perform a soft credit inquiry during the pre-qualification stage, which does not impact your credit score. A hard inquiry is only posted if you accept and finalize the loan, which may have a minor, temporary effect similar to applying for any other type of credit.
What credit score or income level do I need to qualify?
Because we work with multiple lenders, qualification criteria are flexible. In general, a FICO score of 600 or higher and a debt-to-income ratio below 45% improve approval chances. However, applicants with lower scores are often approved when they include a co-applicant or select a secured loan option. Our team can pre-screen your application to find the best fit before submitting.
Can I finance only part of my roof replacement cost?
Yes. You can choose to finance the entire project or just a portion—such as the deductible on an insurance claim. Simply tell us how much you want to finance, and we can structure the loan accordingly. Many homeowners pay a cash down payment to lower monthly installments and interest charges.
What are the repayment terms and when is my first payment due?
Repayment terms range from 6 months to 12 years, depending on the loan product you select. Fixed monthly payments make budgeting easy, and there are no prepayment penalties, so you can pay off the balance early without extra fees. Most plans defer the first payment for 30–60 days after project completion, giving you time to ensure you’re satisfied with your new roof before repayment begins.