Roof Financing: The Pros and Cons to Financing Your Roof

Roof Financing Options Xtreme Exteriors in Nixa, MO

Our team at Xtreme Exteriors understands the value of replacing or repairing your roof in a timely manner. If you are thinking about replacing or repairing your roof, you might be wondering how to finance your project.

Saving up enough funds to complete your project can take time. This can cause delays in essential repairs and expose your home to costly damages. Consider roof financing options tailored to your financial situation. Unlock the freedom to invest in your home’s protection today!

Roof Financing: How it Works

There are many financing options available, ranging from credit cards to personal and home equity loans. While credit cards can be a quick solution, they often come with high annual percentage rates (APR). Personal loans do not involve collateral, but, like credit cards, they have high rates. When it comes to home equity loans, their rates are lower, but it takes longer to access the funds.

Roof financing works in the same way as any other form of loan. First, you borrow the funds from a lender that covers the entire cost of roofing. Then, you start repaying the loan with flexible payment plans and terms. Compared to a traditional lender, roofing company financing often has options that fits your budget. This is a game-changer for homeowners looking to invest in a high-quality roof without breaking the bank.

Pros and cons of roof financingAdvantages of Roof Financing

Before you decide on a particular financing plan, it’s important to know how roof financing differs. Working with your trusted roofing contractor removes the stress and worry from the process. Your contractor knows you, your project, and your budget ensuring your unique needs and preferences are understood and prioritized throughout the process. Another advantage is the convenience of keeping your project in-house with financing, reduces delays and headaches that come with a third-party financing plan. You can focus on the exciting transformation of your home without the worry.

Roof Financing at Xtreme Exteriors

At Xtreme Exteriors, our goal is to make home renovations as simple as possible, including the payment process. We understand the concerns our clients may have when it comes to roofing projects. We offer flexible payment options through our trusted partner EnerBank USA, a specialized home improvement lender. Financing options through EnerBank USA come with several advantages, including:

  • No collateral requirement
  • Fast and easy application
  • Quick credit decisions
  • No application fees
  • No closing or appraisal costs
  • No prepayment penalties

With 3 different financing plans to help complete your roofing project, there is a solution for you. One option is the 12-month Same-As-Cash Loan. This plan is for those who want to avoid interest charges for 12 months, but plan to repay the amount within 365 days of the funds being paid to you. After 12 months a fixed rate interest percentage is applied and repayment begins.

If you prefer a financial solution that gives you a longer repayment period, you can explore fixed-rate options. Customers can choose between a 5-year or 10-year loan, depending on their budgeting needs. Both options offer a 6.99% APR. The 5-year loan offers lower monthly payments than the 12-month no-interest loan, while the 10-year loan offers the lowest monthly payment but higher total interest due to the extended repayment term.

Contact Us Today

Say goodbye to the stress of upfront costs and embrace convenient flexible payment plans tailored to your needs. Our team has two decades of experience working with a wide range of roofing materials that can fit any budget. Whether you need a replacement or your home suffered storm damage, we have you covered. We offer flexible financing options to help make the roofing process as simple as possible.

At Xtreme Exteriors we are the leading James Hardie installer in the Midwest and an Owens Corning Preferred Contractor! Contact us today for a free roof inspection and to learn more about our financing options! Interested in having a look at our products? Feel free to visit one of our showrooms:

Nixa, MO | Shawnee, KS | Rogers, AR | Pittsburg, KS | Goodlettsville, TN