Roofs and house lifts cost real money. We work with three financing partners so most homeowners can start work without paying everything up front. Soft credit pull. Decisions in minutes. No prepayment penalties.
For qualified buyers. Pay no interest if balance is cleared during the promo period. After, variable APR per GreenSky terms.
For larger projects (full re-roof, houselifting). Predictable monthly payment over the project life.
Used when GreenSky and Sunlight aren’t a fit. Service Finance has more underwriting flexibility for non-prime credit.
Real numbers for typical Houston projects. Subject to credit approval and partner terms; rates change. Use as directional, not as a quote.
How to think about this. A roof is a 20-30 year asset. Financing it over 7-10 years means you pay about as much per month as you would have spent on roof emergencies, premium overruns, and gradual decay. Most Houston homeowners come out ahead.
House lifting is different. The lift cost is offset by reduced flood insurance premiums (typically 60-80% drop post-elevation) and the avoidance of future flood claims and remediation. Many Meyerland and Bellaire homeowners find their monthly out-of-pocket actually drops post-lift.
Step 1 — Free estimate. We come out, write the scope, hand you a real quote. Nothing financial happens until after this. Free quote here or call (832) 803-0984.
Step 2 — Soft pre-qualification. If you want to explore financing, we send a soft-pull pre-qualification link. It shows your likely rate and term without affecting your credit score. Takes 60 seconds.
Step 3 — Choose a partner and term. If the rate works, you complete a full application (this triggers a hard pull). Decisions usually come back in minutes to a few hours.
Step 4 — Project starts. Once funded, we start work. Most projects (roofs) wrap in 1-3 days. Houselifting projects wrap in 4-10 weeks. You start payments based on the partner's schedule — typically the first payment is due 30-60 days after project start.
If you have an active insurance claim. The check from your insurer covers most or all of the roof cost. We work with the claim disbursement, not financing. You don't need a loan.
If your project is under $5K. Small repairs aren't worth financing. The fees and interest erode the value. Most homeowners just pay cash.
If you can pay cash but are choosing not to. If your savings can absorb the cost without compromising emergency reserves, cash is usually cheaper than financing. We'll say so.
If you're using a HELOC or home equity loan. Often the cheapest financing available. We don't arrange those — your bank does. We just install the roof.
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