Financing
Roof Financing for Pacific Northwest Homeowners
A new roof or exterior replacement is a significant investment. We offer financing options for qualifying homeowners to help make a larger exterior project more manageable.
Two Paths
Financing options for your roofing or exterior project
Knowing what your project will cost is the first step before exploring financing. We start with a free inspection of the exterior and attic, documented with photos and video, then hand you a written scope outlining the work and its costs. With the scope in hand you can weigh the option that suits your situation.
If your exterior was damaged by a storm or weather event, we can also assist with the insurance claim process. Insurance is separate from financing and depends on your policy and the circumstances of the damage. Rates, terms, and eligibility depend on the lender and on individual qualifications, and are subject to change. Ask about current terms when you book your inspection. We cannot guarantee approval or a specific outcome.
CrossCountry Mortgage HELOC
A home equity line of credit through our lending partner, available on 15 to 30 year terms, for homeowners with equity in their home to draw on.
Aqua Finance
A second route for homeowners who prefer a different structure, or for whom the HELOC is not the right fit.
HELOC
HELOC financing through CrossCountry Mortgage
For homeowners with equity in their home, we offer access to HELOC financing through CrossCountry Mortgage.
A HELOC, or Home Equity Line of Credit, uses available home equity to help fund a larger expense such as a roof or exterior replacement. CrossCountry Mortgage handles qualification and approval. We facilitate the connection and provide the written project scope you need to move forward.
Approval is not guaranteed, and available rates and terms vary with individual circumstances and lender qualification.
Lender
CrossCountry Mortgage, who handle qualification and approval.
Rates
Set by the lender and based on your qualifications. Ask about current rates when you book your inspection.
Terms
15 to 30 years.
Eligible projects
Full exterior replacements, including roofing, siding, windows, and gutters.
Secondary Option
Financing through Aqua Finance
If you prefer a different structure, or the HELOC is not the right fit, ask our team about Aqua Finance during your free inspection. Rates and terms are confirmed directly with the lender.
Weather Damage
Using insurance for weather-related damage
Financing is not the only route. If your roof, siding, or another part of your exterior was damaged by a storm or weather event, your homeowners insurance may cover some or all of the replacement, depending on your policy and the circumstances of the damage.
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01
Schedule a free inspection
We assess the exterior and attic and document what we find with photos and video.
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02
Document the damage
The inspection creates a record of the exterior damage identified at the property.
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03
Get help with the filing process
We assist with submitting the information your insurer needs to evaluate the claim.
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04
Move forward based on the claim
Your insurance company determines coverage, approval, and payout amounts.
Insurance claims are separate from financing. We cannot guarantee that a claim will be approved, or that a particular amount will be covered.
Scope First
Start with a clear project scope
Before deciding how to pay for your roofing or exterior project, you need to understand what the project actually involves.
Our inspection process is built to give you that clarity before you move forward. We inspect the exterior and attic, document our findings with photos and video, and provide a written scope outlining the work and its costs.
If plywood replacement becomes necessary based on conditions uncovered during installation, the additional work is disclosed and approved before we proceed.
With the scope in hand you have a starting point for a conversation with:
- CrossCountry Mortgage, if you have equity in your home to draw on.
- Aqua Finance, if a different structure suits you better.
- Your insurance carrier, if the damage was weather related.
FAQ
Roof financing questions
What homeowners ask most often about paying for a replacement. If yours is not here, raise it during the inspection.
Can I use a HELOC to pay for a new roof?
What financing options do you offer?
Can financing be used for projects besides roofing?
Who determines whether I qualify for financing?
What are the rates and terms?
Can homeowners insurance pay for a roof replacement?
Do I need a project estimate before applying for financing?
Free, No Obligation
Explore financing for your exterior project
Whether you are planning a roof replacement or a larger exterior project, start by finding out what the work involves and what it will cost. We will inspect the exterior and attic, document what we find, and provide a written scope you can use as you explore your options.
- A thorough exterior and attic inspection
- Photos and video of everything we find
- A written scope you can take to a lender
Request your inspection
Takes about a minute.
We use your details to schedule your inspection. We do not sell or share your information.