Financing Options
Financing Options | Roofing Done Right | Roofing | Harriman
When unexpected leaks or storm damage strike, HEP makes it easy for Harriman homeowners to secure a new roof without straining their budgets. Our flexible financing options feature quick approvals, low-to-no interest plans, and convenient monthly payments, so you can protect your home now and pay over time. From simple repairs to complete replacements, our trusted local team walks you through every detail and handles the paperwork, letting you focus on what matters most—keeping your family safe and dry.
Choose HEP and experience roofing done right with financing that fits your life. Certified installers, premium materials, and industry-leading warranties come standard, and our financing specialists are just a call away to tailor a plan that meets your needs. Don’t wait for small issues to become costly headaches—schedule your free estimate today and discover how affordable a worry-free roof can be.
FAQs
What types of financing plans do you offer for roof replacement or repair in Harriman?
We partner with several reputable lenders to provide multiple financing options, including low-interest installment loans (3–12 year terms), same-as-cash plans with 0% interest if paid in full within 12 months, and revolving credit lines for smaller repairs. This variety lets you choose a plan that fits your monthly budget and project scope.
How do I know if I qualify for roofing financing?
Qualification is based on a quick, soft-pull credit check that doesn’t affect your credit score. Most homeowners with a FICO score of 600 or higher and verifiable income are approved. We also consider debt-to-income ratio and property equity. You’ll receive an instant decision and can review terms before committing.
Is there any money down required to start my roofing project?
Many of our plans offer $0 down, allowing you to begin your roof replacement or repair immediately. If your credit profile requires a small down payment, it’s typically 5–10% of the project cost. All down-payment requirements are disclosed upfront, so there are no surprises.
Can I pay off my roofing loan early without penalties?
Yes. All of our financing options feature no prepayment penalties. You can make extra payments or pay the balance in full at any time, saving on interest and shortening the loan term.
How long does it take to get approved and schedule the roofing work?
The online application takes about 5 minutes, and approval is usually instantaneous. Once you accept the loan terms, we schedule your roofing project—often within 1–2 weeks, depending on materials and crew availability—so your home is protected as quickly as possible.
Are there tax incentives or energy rebates I can combine with financing for my new roof?
If you choose energy-efficient shingles or add solar-ready roofing components, you may qualify for federal tax credits (up to 30% on certain materials) and local utility rebates. Our team will provide documentation and guidance on claiming these incentives, which can further reduce your overall project cost when combined with financing.