Flexible Financing
Flexible Financing | Siding Solutions | Roofing | Apison
Whether your Apison home needs a brand-new roof after storm damage or a fresh exterior makeover, HEP makes the upgrade easy with flexible financing options tailored to your budget. Our seasoned crews handle everything—from tear-off to trim—while you enjoy straightforward monthly payments and zero hidden fees. It’s the fast track to a safer, more energy-efficient home without draining your savings.
Pairing top-quality roofing systems with our expertly installed siding solutions, we protect your biggest investment and boost curb appeal in one seamless project. Let HEP’s friendly team walk you through materials, colors, and financing plans that fit your goals today—so you can start enjoying a stronger, better-looking home tomorrow.
FAQs
What types of financing plans are available for roofing and siding projects in Apison?
We partner with regional and national lenders to offer three main plans: (1) 0%-interest promotional plans that let you pay the entire balance within 6–18 months with no finance charge, (2) fixed low-APR loans with terms from 24 to 144 months, and (3) deferred-payment plans that allow you to delay the first payment for up to 90 days. All options can be used for either a roof replacement, new siding, or a combination of both.
How do I know if I qualify for flexible financing?
Most homeowners in Apison qualify with a fair credit score (typically 600+), proof of income, and verification that you own the home. You’ll complete a short, paperless application that performs a soft credit pull—so it won’t hurt your score—and approvals are usually issued within minutes. If your credit is below the preferred range, we can explore co-signer or joint-applicant options.
Can I finance both my new roof and siding under one loan?
Absolutely. Our lenders allow you to bundle multiple exterior improvements into a single loan, which means one monthly payment and one set of documents. This not only simplifies budgeting but may also help you secure a larger credit line and a better interest rate because the total project value is higher.
Are there any hidden fees or prepayment penalties?
No. All fees—such as origination or late-payment charges—are disclosed up front before you sign. None of our current loan products include a prepayment penalty, so you are free to pay off the balance early or make extra principal payments at any time, saving money on interest.
How long does it take to get approved and start the actual work?
Most customers receive conditional approval in less than 10 minutes and full approval within 24 hours after submitting any required documents (e.g., proof of income). Once approved, we schedule your roofing or siding installation immediately—often within one to two weeks—depending on material availability and the Apison weather forecast.
Will financing affect my ability to sell my home later?
Financing a new roof or siding typically increases your home’s resale value and energy efficiency, both of which appeal to buyers in the Apison market. Because our loans are unsecured, no lien is placed against your property, so you can sell your home at any time without needing to satisfy the loan first—you would simply pay off the remaining balance from the sale proceeds like any other personal loan.