Roof Financing Options in Florida

Florida homeowners understand the importance of maintaining their roofs and protecting their property from harsh weather conditions. However, roof replacement or repairs can be a significant investment. Fortunately, Alan’s Roofing offers affordable financing options to make this essential home improvement more accessible.

Our Roof Financing Partners

The process from roof inspection to new roof installation can seem daunting, but knowing how to pay for it can make the entire process easier. At Alan’s Roofing, we designed our financing options with you in mind. We want your roofing project to go as smoothly as possible, including the expense.

 We work with a reputable lender that has provided home improvement loans for over 20 years and has approved over a million. They require their contractor partners to be companies that specialize in residential home remodeling and are U.S.-based businesses that have been in operation for at least three years.

(We’ve been in business for 35 years!)

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Our trusted financing partner is EnerBank, a specialized lender dedicated to providing financing solutions for home improvement projects, including roof replacements and repairs. With EnerBank, you can enjoy flexible payment plans, competitive interest rates, and the convenience of applying and quickly receiving a decision. Their knowledgeable home improvement loan representatives will guide you through the loan process, guaranteeing a smooth experience from start to finish.

 Florida’s Property Assessed Clean Energy (PACE) Program

Florida homeowners can access the Property Assessed Clean Energy (PACE) program. This innovative financing solution allows you to finance your roof project through a voluntary special assessment on your property tax bill. PACE financing is specifically designed for energy-efficient and renewable energy improvements, including cool roofs and solar panel installations. By participating in this program, you can enjoy the benefits of a new roof while spreading the cost over a longer period, potentially increasing your home’s value and reducing energy costs.

Homeowners should know that this financing is a ‘Debt of Property’ rather than personal debt. Because the financing is attached to the property and repaid through your property taxes, it is classified as a property assessment instead of a loan. PACE eligibility is based primarily on the amount of equity you have in your home, your ability to repay the assessment, and your mortgage payment history.  

There are some significant factors to consider with PACE financing:

  • If you are selling your home, the new owner can assume the assessment or may request that you pay off the balance before closing.
  • If you default on PACE financing, you can be at risk of foreclosure.

Benefits of Roof Financing

Choosing to finance your roof project offers several advantages that make the investment more manageable and accessible.

Financing allows you to spread the cost of your roof project over a longer period, making the investment more affordable with manageable monthly payments.

Instead of depleting your savings or emergency funds, financing enables you to preserve your financial resources for other priorities or unexpected expenses.

Many of our financing options offer flexible repayments, allowing you to choose a plan that aligns with your budget and goals.

Depending on the financing option you choose, you may be eligible for tax credits or deductions, helping further reduce the overall cost of your roof project.

Contact Alan’s Roofing To Learn More About Your Financing Options

At Alan’s Roofing, we understand that a new roof is a significant investment that shouldn’t be taken lightly. To help give you the peace of mind you deserve, our expert roofers are committed to guiding you through the financing process and helping you find the roofing solution that best fits your needs and budget.

Don’t hesitate to contact us today to explore your roof financing options and take the first step towards a worry-free, beautiful, and durable roof for your Florida home.