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Financing

What Are My Options to Pay for a Roof?

financing solutions for everyone

As a Florida homeowner, you can choose from multiple ways to pay for a roof replacement—such as government assistance programs, home equity options, contractor financing, or personal loans. The right fit for you will depend on your available equity, credit history, and overall financial circumstances.

With PACE, the cost of your roof replacement is repaid through your property tax bill over time. Approval is based on your home equity rather than your credit score, making it accessible to many Florida homeowners.

This state-backed program offers grants and funding to help homeowners strengthen their roofs and improve storm protection. You may qualify for direct financial assistance to offset your roofing costs.

Tap into your home’s equity with either a lump-sum home equity loan or a revolving Home Equity Line of Credit (HELOC). Both provide lower interest rates compared to unsecured loans.

By refinancing your mortgage for more than you currently owe, you can use the extra funds to pay for your roof. This option may lower your interest rate while consolidating payments into your mortgage.

A government-backed loan designed for home improvements like roofing. Because it’s insured by the FHA, lenders may offer more flexible terms even if your credit isn’t perfect.

A fast and simple option for homeowners who want predictable payments and no liens against their property. Approval depends mainly on your credit and income.

We partner with Synchrony Finance to offer payment plans right at the point of service. This lets you spread out the cost of your roof replacement without needing to go through a bank.

We Are Proudly Partnered with Synchrony Finance to offer

0% Interest for 6 Months

Thanks to Synchrony Finance, you can spread out the cost of your new roof with:

  • 6 months 0% interest

  • Predictable monthly payments

  • Quick, online approval

*Includes important details for each of these financing options.