A new roof shouldn't wait for a windfall.

During your free estimate, your advisor shows current options from our third-party lending partners — typically a mix of promotional 0%-interest periods and fixed-rate terms up to 10 or 15 years, on approved credit. You apply in minutes, most decisions come back the same day, and the project schedules exactly like a cash job.

Prequalification runs as a soft pull — it shows you real terms without touching your score. A hard inquiry only happens if you accept an offer and finalize the loan, the same as any other financing.

Here's the straight answer: your deductible is your legal responsibility — waiving or “absorbing” it has been explicitly illegal in Texas since 2019 (HB 2102, Insurance Code chapter 707), and homeowners who knowingly go along can be on the hook too. What we can do: finance the legitimate out-of-pocket portions of your project, upgrades beyond the insurance scope included.

No. Every option we present can be paid off early without penalty — if a lender's product ever changed that, we'd stop offering it. Many homeowners use a 0% promo window exactly that way: free spreading of the cost, paid off before interest exists.

Apply anyway — approvals run deeper than a single score, and a co-applicant often changes the answer. If financing genuinely isn't available, we'll tell you straight and help you phase the work sensibly (roof first, always) instead of pushing you into a payment you shouldn't take.