Options for funding your project

Roof (and gutter/siding financing) loans: get the money you need now, funded up front.

Here are a few options for financing your project:

1. Personal loan for roofing through HEARTH (see above)

If you’re on a tight time-frame and don’t have enough equity in your home, then a personal roof loan may be the right roof financing choice for you.

The process only takes a few minutes, and you will be able to see what your financing options are, right away! SCROLL BACK UP to find out more about Hearth Financing or to get approved!

2. Home equity loans for roofing: This is a great option if you have equity in your current property.

If you don’t have much equity in your home, then you’ll have to consider an unsecured option such as a personal home improvement loan. In other words, unsecured means the financing option doesn’t require your home equity as collateral. That's where our Hearth financing comes in!

Home Equity Loan timeframe: If you don’t already have a line of credit open with your bank, then it could take 4-6 weeks to apply for and receive funds for your new roof. This time frame is too long for many urgent roofing projects.

Let’s take a look at each loan option and see how your home equity and time-frame should influence your decision:

If you have more time, you may want to consider a home equity loan. These home improvement loans will have lower rates than home improvement loans, but they can take 4-6 weeks to approve. You’re also likely to pay hefty closing costs, and could face prepayment penalties if you pay the loan back early.

Important note: roof financing options secured by your home equity are often tax deductible, while those that do not require home equity are not.

FHA 203(k) and other government roofing loans

Colorado and the federal government may have special programs for some types of roof repairs. You may also be able to qualify for a roof repair grant if a home improvement loan isn't an option for you.