Financing Options
Financing Options | Siding Solutions | Roofing | Sequatchie
Dreaming of a fresh roof or new exterior but worried about the upfront cost? HEP makes it simple for Sequatchie homeowners to protect and beautify their property with flexible financing plans that fit real-world budgets. From zero-down options to extended terms with low monthly payments, our team walks you through every step, explains the fine print, and gets most customers approved in minutes—so you can schedule the work without draining your savings.
Whether you’re tackling storm damage, boosting curb appeal, or planning a full remodel, our roofing experts and siding solutions specialists handle the craftsmanship while trusted lending partners handle the numbers. No surprise fees, no high-pressure tactics, just honest guidance and fast funding that lets you enjoy a safer, more stylish home right away.
FAQs
What financing plans do you offer for roofing and siding projects in Sequatchie?
We partner with several regional lenders to provide unsecured home-improvement loans, same-as-cash promotional plans (6, 12, or 18 months with 0 % interest if paid in full), and low-fixed-rate installment loans with terms ranging from 24 to 144 months. All plans can be used for complete roof replacements, new siding installations, or combined exterior packages.
How do I know if I qualify for your financing?
Eligibility is based on a quick credit check, current income, and your debt-to-income ratio. Most homeowners with a credit score of 600 or higher and verifiable household income qualify. If your score is lower, we can explore co-applicant or secured loan options. There is no obligation or impact on your credit score until you decide to proceed with the full application.
Do I have to make a down payment before work begins?
A down payment is not always required. Many of our lenders offer 100 % financing that covers materials, labor, permits, and warranty fees. If you prefer to lower your monthly payment, you can choose to put any amount down—typically 5 %–20 % of the project cost—at signing.
Are there penalties or fees for paying the loan off early?
No. All of our financing programs for Sequatchie homeowners are structured with no prepayment penalties. You can make additional principal payments or pay the full balance at any time without incurring extra fees, which can significantly reduce your total interest paid.
How long does the approval process take, and when can my project start?
The online application takes about five minutes, and most customers receive a decision within seconds. Once you accept the terms, funds are typically released to us within 24–48 hours, allowing us to schedule your roofing or siding installation as early as the next available crew date—often within one week during normal seasonality.
Can I bundle multiple exterior improvements—like gutters or windows—into one financing package?
Absolutely. Our lenders allow you to roll additional exterior upgrades, such as gutter replacement, attic insulation, or energy-efficient windows, into a single loan. Bundling can qualify you for better rates and ensures you have one simple monthly payment instead of managing several smaller loans or credit lines.