Flexible Financing
Flexible Financing | Roofing Done Right | Roofing | Cleveland
When storms off Lake Erie put your shingles to the test, you need roofing done right by people who know Cleveland’s weather inside and out. HEP pairs decades of craftsmanship with premium materials, ensuring every layer—from ice-shield to ridge cap—is installed for maximum longevity and energy efficiency. Our crews are punctual, tidy, and treat your property like their own, so you can relax knowing the only surprise will be how smooth the project feels.
To make that reliability accessible, we’ve built a suite of flexible financing plans that fit real-world budgets. Choose low-interest, zero-down, or same-as-cash options and get your roof started today, not “someday.” One quick application, a transparent quote, and the HEP workmanship warranty put you in control while we handle the heavy lifting. Let’s protect your home, boost its value, and give you peace of mind under a roof that’s built—and financed—the right way.
FAQs
What types of flexible financing plans do you offer for roofing projects in Cleveland?
We partner with reputable local and national lenders to provide multiple financing options, including 0%-interest promotional plans (typically 6–18 months), low fixed-rate installment loans with terms up to 144 months, and deferred-payment plans that let you start paying after the roof is completed. This variety allows homeowners to choose a solution that aligns with their monthly budget and long-term financial goals.
How do I know if I qualify for roofing financing, and what credit score is required?
Most lenders evaluate your credit score, income, and debt-to-income ratio. Generally, a score of 600 or higher will qualify for standard plans, while scores of 700+ may unlock lower interest rates. If your score is lower, we can still explore co-signer options or programs designed for credit-challenged homeowners. The pre-qualification process is quick, involves a soft credit pull, and will not affect your credit score.
Can the financing cover the entire cost of my new roof, including materials, labor, and permits?
Yes. Our financing packages are designed to cover 100% of your project cost—shingles, underlayment, ventilation, labor, tear-off, disposal, and required city permits. You won’t need to pay anything out of pocket unless you choose to make a down payment to lower your monthly installments.
How long does the financing approval process take, and when can my roofing project start?
The online application takes about 5 minutes, and most homeowners receive an approval decision within seconds. Once approved, we can schedule your roof installation right away—often within one to two weeks—because funding is released directly to us upon project completion and inspection.
Are there any penalties for paying off my roofing loan early?
No. All of our recommended lenders have $0 prepayment penalties. You can pay extra toward the principal or pay off the entire balance at any time without additional fees, saving you money on interest.
Does financing affect my roof warranty or the quality of materials used?
Not at all. Financing simply changes how you pay, not what you receive. You’ll still get Owens Corning or GAF shingles, professional installation by our certified crews, and our full workmanship warranty. Manufacturer material warranties (up to 50 years) remain intact, ensuring your new roof is protected regardless of payment method.