Flexible Financing
Your trusted partner for professional home services. Quality workmanship, guaranteed satisfaction.
Flexible Financing | Roofing | Johnson City
Whether you’re repairing storm damage or upgrading for curb appeal, HEP makes it easy to tackle essential roofing projects without straining your wallet. Our flexible financing options let Johnson City homeowners spread payments over time, so you can choose premium materials, enjoy expert craftsmanship, and protect your family with confidence—no more postponing vital work because of upfront costs.
Applying takes minutes, approvals are fast, and there’s never any pressure; just honest guidance from a crew that treats your home like their own. From the first inspection to the final shingle, we keep you informed, on budget, and thrilled with the results. Ready to elevate your roof and peace of mind? Talk to HEP today and discover just how simple and affordable great roofing can be.
FAQs
What financing options do you offer for roof replacements in Johnson City?
We partner with several national lenders and local East Tennessee credit unions to give homeowners a range of choices, including 0% introductory APR plans, low-fixed-rate installment loans (3–15 years), and same-as-cash options with no payments for the first 6–12 months. You can select the program that best fits your monthly budget and long-term goals.
How do I qualify for your flexible financing program?
Most Johnson City homeowners qualify with a minimum credit score of 580 and proof of income. The online application asks for basic contact information, employment status, and desired loan amount. If you have less-than-perfect credit, we can review co-signer and equity-based plans. There is no obligation to proceed if you are not satisfied with the offer.
Will applying for roofing financing affect my credit score?
The initial pre-qualification uses a soft credit pull, which does not impact your credit score. A hard inquiry is only conducted once you choose to accept a loan offer and sign the financing agreement. Our team will let you know before any hard pull occurs so you can make an informed decision.
What repayment terms and interest rates are available?
Terms range from 12 to 180 months. Shorter terms (12–36 months) often carry 0–6% APR, while longer terms (60–180 months) feature fixed rates starting around 6.99% based on creditworthiness. There are no prepayment penalties, so you can pay off the balance early and save on interest at any time.
How quickly can I get approved and have my new roof installed?
Most customers receive a financing decision within minutes of submitting the online form. Once approved, we can schedule your roofing project in as little as 24–48 hours, weather permitting. Funds are paid directly to us upon completion, so you never have to handle paperwork with the lender.
Can I finance other roofing services, such as repairs, gutters, or metal upgrades?
Yes. Our financing programs cover full roof replacements, storm-damage repairs, metal or shingle upgrades, gutter systems, skylight installations, and even attic insulation if the work is performed at the same time. Simply let your project consultant know which services you’d like bundled into the loan.