Flexible Financing
Flexible Financing | Roof Repair | Roofing | Decatur
When storms roll across Decatur, a single missing shingle can quickly become a costly headache. HEP’s seasoned roofing team responds fast, sealing leaks, replacing damage, and restoring curb appeal—all with craftsmanship backed by decades of local experience and a strong labor warranty.
Thanks to our flexible financing plans, you never have to postpone essential roof repair. Apply in minutes, choose a low-monthly-payment option (including 0% promotional APR possibilities), and get the green light before we hammer in the first nail. With HEP, you safeguard your home today and spread the cost over time—no stress, no surprises, just a dry, dependable roof overhead.
FAQs
What flexible financing options do you offer for roof repairs in Decatur?
We partner with several national and local lenders to provide multiple financing plans, including low-interest installment loans (3–12 years), 0% APR promotional plans up to 18 months, and same-as-cash options for qualified homeowners. You can finance the entire repair cost—or just your deductible—so you can get the work done now and pay over time. All plans come with no pre-payment penalties, and most decisions are made within minutes of application.
How do I know if I’m eligible for your roofing financing programs?
Eligibility is based on a quick credit check, income verification, and proof of home ownership in Decatur or the surrounding area. Minimum credit scores vary by lender (typically 580+), but we also have second-look and FHA Title I options for customers with limited credit history. You’ll need a government-issued ID, proof of residence, and your most recent pay stub or bank statement during the application.
Will applying for financing affect my credit score?
Most of our lending partners use a soft credit inquiry for pre-qualification, which does not impact your credit score. If you accept and finalize a loan offer, a hard inquiry will be recorded, which may have a small, temporary effect on your score—usually just a few points. We always let you review loan terms before any hard pull occurs.
How fast can you start my roof repair once financing is approved?
Because loan approvals usually arrive within minutes, we can schedule most repairs within 24–48 hours—weather permitting. Emergency tarping is available same-day to prevent further damage while we finalize your financing paperwork and order materials. Our crews are fully licensed and insured to work in Decatur, so there’s no delay once funding is confirmed.
Can I combine insurance proceeds with financing?
Absolutely. If your roof damage is partially covered by homeowners insurance, we can apply the insurance payout first and finance any remaining balance, including your deductible. This approach allows you to minimize out-of-pocket costs while still completing all necessary repairs or upgrades, such as adding impact-resistant shingles or improved ventilation.
Are there any warranties or guarantees when I finance my roof repair?
Yes. Financing does not change our workmanship guarantee or manufacturer warranties. All repairs come with a 5-year labor warranty, and materials carry up to a lifetime limited warranty, depending on the product you choose. If you ever need warranty service, it’s fully transferable—even if you sell your Decatur home before the loan is paid off.