Do you offer financing for roof replacement?

A roof replacement is a five-figure decision and most Bay Area homeowners do not want to pay cash from a brokerage account in a year when the market is volatile. We offer two financing partners:

• GreenSky: 0% APR same-as-cash promotions (typically 6, 12, or 18 months — pay the balance before promo expires and there is no interest), or fixed-rate term loans from 3 to 12 years. Soft credit check for pre-qualification; hard pull only when you accept a final offer.
• Service Finance Company: longer-term fixed-rate options (up to 20 years) for larger projects (tile re-roofs, multi-building commercial). Standard terms for solar-plus-roof bundles.

Practical guidance on which to choose:

• If you can pay off within 12–18 months — take the 0% APR same-as-cash plan and treat it as an interest-free buffer. Just make sure you actually clear the balance before the promotional period ends, or deferred interest kicks in retroactively.
• If you need a true long-term loan — compare the fixed-rate financing rate against a HELOC or cash-out refinance. For homeowners with significant home equity, a HELOC at today’s rates is usually cheaper than retail financing.
• If you are filing an insurance claim — wait for the settlement before financing. Once we know the approved scope, financing is usually only needed for the deductible and any upgrades beyond insurance scope.

We do not earn referral fees on financing. We offer it because not offering it means homeowners delay needed repairs until a leak becomes structural — which always costs more.