Flexible Financing
Flexible Financing | Roof Replacement | Roofing | Kelso
Dreaming of a sturdier, more stylish roof but dreading the upfront expense? HEP’s flexible financing makes that worry disappear, allowing Kelso homeowners to start their roof replacement right now and pay over time with manageable monthly installments. From the first inspection to the final shingle, our seasoned crews handle every detail while our financing specialists guide you through quick, straightforward approval—often on the same day.
With HEP, you get high-performance materials, industry-leading warranties, and honest, hometown service backed by decades of experience. Enjoy energy savings, boosted curb appeal, and year-round protection without draining your savings. Ready to raise the roof on comfort and confidence? Contact HEP today and discover how easy it is to secure the roof you need, exactly when you need it.
FAQs
What financing options do you offer for roof replacement in Kelso?
We partner with several national home-improvement lenders and local Kelso banks to give homeowners multiple choices. Popular plans include 0% interest "same-as-cash" programs for 6–18 months, low-interest installment loans spread over 5–12 years, no-money-down deferred-payment plans, and unsecured revolving credit lines you can reuse for future projects. You can also pay with major credit cards or combine cash and financing. All loans are specifically designed for residential roofing, so funds are paid directly to our company only after the job milestones you approve.
How do I qualify for your flexible financing program?
Most homeowners with a credit score of 580 or higher can be approved, and we have secondary options for lower scores with a co-signer. You’ll fill out a quick online application and provide proof of income (pay stubs or tax returns), a valid photo ID, and proof of homeownership. Because the loans are unsecured, no home equity is required. Approval is based on credit, debt-to-income ratio, and job stability, and we can usually tailor a plan to match your monthly budget.
Does financing change the quality of materials, workmanship, or warranty?
Not at all. Whether you pay cash or finance, you receive the exact same premium Owens Corning or GAF shingles, certified installation, and our 10-year transferable workmanship warranty, along with the manufacturer’s lifetime material warranty. The financing institution has no influence on product selection or installation standards; it’s simply a payment method to make your roof more affordable.
How long does the financing approval process take?
The pre-qualification form takes about five minutes and uses a soft credit pull that won’t affect your score. You’ll see estimated rates and payment options instantly. Once you choose a plan, full approval typically arrives within 24-48 hours after the lender reviews documentation. For storm-damage emergencies we can request same-day priority approval so work can start immediately while paperwork is finalized.
Can I combine insurance proceeds with your financing options?
Yes. If your roof was damaged by wind or hail, we can bill your insurance carrier directly for the covered portion and arrange financing for your deductible, upgrades, or any uncovered balance. This lets you restore or upgrade your roof without draining your savings. Our project manager will coordinate the paperwork, so you’ll make one simple monthly payment for only the amount not paid by insurance.
Will financing my roof replacement affect my insurance premiums or taxes?
Taking out a roof loan has no impact on your homeowners insurance premiums because the policy price is based on risk factors, not how you paid for the roof. However, a new roof can sometimes reduce premiums because it lowers risk of leaks or storm damage—ask your agent. Interest on a home-improvement loan may be tax-deductible if the project substantially adds value to the property; consult your tax professional for specifics. Timely payments are reported to credit bureaus and can even help build your credit history.