How to Finance a New Roof

Serving Vancouver, WA and Portland, OR

Banknote roof cover the glass jar of money with stack of coins - Legit Exteriors, serving Portland OR & Vancouver WA talks abut financing a new roof. Are you looking to finance your new roof or other home exterior project? Legit Exteriors has affordable financing options for all your home exterior projects. Get your roofing, siding, windows, or gutters installed today with low monthly payments to qualified homeowners!

Legit Exteriors has served the greater Portland, OR, and Clark County, WA area for over a decade. Thousands of homeowners have placed their trust in us, and we continue to provide the best customer experience in the area.

LEGIT Exteriors Makes it Easy to Finance Your New Roof

Why to Finance A New Roof

Even if you have the cash on hand, it may be a wiser move to finance your improvement. Of course, this depends on your situation. But why tie up your money when you can borrow someone else’s money and make payments?
Applying for a loan through Legit Exteriors is quick with a lot less paperwork than refinancing or getting a HELOC. Ask your home exterior consultant about financing options, or apply online today with Hearth.

Benefits of Financing A New Roof

Financing a new roof allows you to pay in installments rather than an entire lump sum. This not only makes it more affordable to get your much needed roof right away, but it also allows you to save more money in case of an emergency or for additional work.

How our Financing Works

What information do you need to process my financing application?

Generally, we need your full name, social security number, date of birth, address, income, Driver’s License, and signature. If it is a joint application, meaning someone else is applying with you, we’ll need the same information from them as well.

How much can I borrow?

Our lenders are capable of lending up to 100k for home exterior projects.

Does applying for financing affect my credit score?

Yes, it is a hard pull. When a credit-issuing institution accesses your credit history with your permission and requests information about your credit history, it will result in a slight decrease (few points) in your credit score. Hard pulls don’t last long on your credit score, but you would be wise not to have too many hard inquiries in a row. Too many hard pulls in a row suggest you may be short on cash and a higher-risk to lenders.

How long does it take to find out if I’m approved for financing?

On average, once the paperwork is finished and sent to the lender, we will receive an answer between 1 to 2 business days.

What if I’m denied financing?

If a lender denies funding to you, we work to figure out why. Legit Exteriors does not have access to your credit information directly. We can determine if there was an error on the information submitted, but if there are issues with your credit report, you should get a free copy of your report from

What APR do your lenders offer?

Generally, our lender’s APR falls between 4.99% to 28.99%. Your APR offer will depend on your credit score and credit history.

Do you offer fixed interest rates for roof financing?

Yes, we only work with lenders that provide a fixed interest rate.

Is the loan secured?

Our lenders offer unsecured or personal loans for your home exterior improvement project. Secured loans mean that the loan is backed by collateral, like your home.

Are there any hidden fees with roof financing?

No, there are no hidden fees.

Who do I contact about my home exterior loan?

Once your loan has been issued, all questions, issues, or communication about the loan will be directly through your lender.

Are there any prepayment penalties?

No, if you’re ever asked to apply for financing that penalizes you for paying your loan off early, go elsewhere.

Can you take cash out with our lenders?

No, sorry, but loans for home improvement projects through our lenders do not allow you to take money out. If you are looking for cash, you would need to refinance your home or possibly look at getting a HELOC; both are secured credit.

At Legit Exteriors, we offer:

  • Roof replacement financing
  • Siding replacement financing
  • Window replacement financing

Affordable Roof Financing

Our 20+ lenders approve homeowners with even less than perfect credit. If you need a roof, siding, gutters, or windows, don’t let the cost keep you from being comfortable in your own home. Financing your home exterior project is the most common way of coming up with the funds to get the exterior work you need. Contact us today to get started! We proudly serve the Portland OR and Vancouver WA area.