Cheapest capital first
Home equity line or loan: typically the lowest rates for homeowners with equity — and the interest may be tax-deductible (ask your tax advisor). If you have meaningful equity, start here.
Insurance proceeds: if storm damage contributed, your claim may cover part or most of the cost. Get our free storm assessment before assuming you’re paying full freight — Colton storm claims fund a significant share of the replacements we do.
Mid-range options
Contractor financing: we offer plans through lending partners — convenient, fast approval, competitive for the convenience. Compare the APR and total interest against your other options; convenience has a price, and you should know it.
Personal loans: unsecured, faster than equity products, higher rates. Reasonable for smaller scopes or when equity isn’t available. Credit cards: only for the deposit or tiny repairs — carrying five figures at card rates is the most expensive roof you’ll ever buy.
What to watch for
‘Same-as-cash’ offers: read the deferred-interest terms — miss the payoff date by a day and retroactive interest applies to the whole balance. That clause has burned more homeowners than any other.
Lien and assignment games: never sign over insurance proceeds or put up your home as anything beyond standard contractor terms without understanding exactly what you’re signing. Reputable financing is boring paperwork, not creative paperwork.
Start with the real number
Financing decisions need the actual project cost first — not a phone guess. Our free Colton estimates give you the itemized number, and we’ll walk through payment options without pressure.
Call Roof Replacement Experts at (888) 974-0663. Our call representatives are available 24/7 for emergencies — and our estimators are refreshingly honest about money.
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