Roof Financing

Financing your new roof

You looked at the facts and decided…it is time for a new roof. The problem you may be facing is, “how do I pay for it”? Pro knows first-hand the role a sound roof is in keeping your home comfortable and safe. Which is why we want to make sure you know your options. Let’s find a way to make your home maintenance dream a reality. When it comes to roof financing, you are sure to have many questions. Pro is here with the answers.

Roof Financing

Can you finance a new roof?

Yes! Roof replacement is a sound expense that makes your home safer and more comfortable. Depending on the materials you choose it can make your home more energy efficient as well. It will also raise the resale value and curb appeal! Often, the high price tag for roof replacement keeps many homeowners from starting this kind of project. Thankfully, there are financing options available that can give you the new roof you need now.

What should I expect to pay for a new roof?

The cost of a new roof involves more than the price of shingles. You have to factor in tear-off, clean up, pitch, how many layers the previous roof had, and quality of materials used. For instance, a tear-off of two-layers of asphalt roofing would cost less than a three-layer roof with cedar shake. However, if the first home chooses architectural slate shingles while the second home has traditional asphalt installed then the cost of the first project will surpass the second. The average roof in Michigan is estimated to cost between $2 – $10 per square foot. Generally, paying with cash or a check is not an option for the average homeowner. Most choose to finance and take out a loan to pay for the project.

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Roof Financing 101

Roof Financing 101

Did you know that 80% of all home improvement projects over $5,000 involve financing? It is a common practice that lets you keep your home up to date and comfortable while not breaking the bank. The good news is that not only is financing available, but Pro Home Improvement offers multiple options. Our goal is to make getting financed a seamless part of your roofing project.

How much does it cost to finance a roof?

Financing a new roof means breaking up the cost of replacement into smaller chunks. This usually comes with the added cost of an annual percentage rate. This APR is applied to the amount due throughout the life of the loan. This additional cost is factored into your monthly payment amounts. The added cost of financing depends on the type of loan you choose and the APR. For instance, if you select a same-as-cash loan, you will not pay any additional fees. Let’s explore the options that Pro Home Improvement can offer its roofing customers. If you choose a traditional loan you will pay more the longer the term length.

Same-As-Cash Roofing Loans

Same-As-Cash loans are one of the most popular loan types available. You can get your roof financed, pay it off in small chunks, and not spend a penny more than the cost of the project. How does that work? With same-as-cash loans, if you pay off the principle within a set period, you pay no interest. This is a perfect fit for homeowners who can pay off the principal quickly they just can’t pay it off all at once.

Term Lengths: 3, 6, 12, 18 and 24 Months

Traditional Installment Roofing Loans

Maybe the same-as-cash option won’t work for you. This does not mean we can’t help you get your roof replaced. Perhaps you will need a more traditional loan type. This won’t leave you getting hit with a high interest rate. We offer great reduced-interest loans that can empower you to fix up your home now and pay it off over the next 5-12 years.

Term Lengths: 5 – 12 Years

Get your new roof for the cost of a cup of coffee

Finance your roof for the cost of a cup of coffee a day!

We’ve been talking about financing your roof and using words like APR and term lengths, but you may be wondering…what are the actual payments like? We provide some examples below to help you understand what the impact on your budget could be. The average cost of a cup of coffee in America is $2.70 and, even for large projects, we can get you financed at a cost less than that!


Small ProjectRoofing

Project cost$3,000

Term Length5 years

Daily cost$1.72

Medium ProjectRoofing

Project cost$6,000

Term Length10 years

Daily cost$1.72

Large ProjectRoofing

Project cost$9,000

Term Length12 years

Daily cost$2.15

XL ProjectMultiple Products

Project cost$27,000

Term Length12 years

Daily cost$6.47


Can you pay for a new roof with a credit card?

Financing with a loan isn’t the only option for homeowners without the cash available to pay for the project outright. Another option is to use credit cards to pay for your new roof. Depending on your credit card company and the percentage rate on the card this could be a better option than the loans available. Not to mention all those rewards points! Pro Home Improvement accepts all major credit cards.

Talk to a roofing expert!

Pro Home Improvement is dedicated to making your home improvement project a reasonable expense. If this requires financing we can work with you to get the project funded and completed without a large hassle and without leaving you with a high monthly payment.

Want more info on roof financing or need to schedule an estimate? Contact us today and one of our roofing experts will discuss your options and set up an appointment for us to visit with you at your home and provide a full estimate valid for one year! Call or text us today at (248) 556-5839 or visit our estimates page to fill out a contact form.

What Our Roofing Customers Are Saying

  • We actually got a roof and gutters. My wife (Sue) called to get the initial quote scheduled. She was very pleased with the gentleman that she spoke to, I believe his name was Fred. Then J.R. came out & measured and gave us the quote. He did an excellent job & we decided to go with your company without getting the other 2 quotes we had scheduled. You came out when you said you would, you brought adequate men to complete the job, you were quick, great cleaned up. The roof looks great. The gutters and downspouts look great. I am confident that, God forbid, I was to ever have any issues that they would be resolved in the same professional manner. Thank you. And we will be referring you whenever people need work done. God bless you.

    — Brian W in Sterling Heights, MI

  • We had a big job; Roof, siding, gutters and a few windows. Due to the size of the project it was completely in stages. Throughout the process I always felt I had a good pulse of the progress. I was in constant contact with the PM's and a even the owner of Prohome a few times. We encountered a few challenges, however prohome absolutely stood by their word and took care of us. This was not my first rodeo so a few gotcha's did not surprise me. You can measure a company by how they handle these "gotcha's" and prohome stepped up and went to bat for us. The PM's were great, really no delay's at all. Watching these guys install siding is like watching an artist. VERY good craftsmanship. Cleanup after each job was superb. They knew I had 4 kids so they were extra cautious of any debris left behind. I have not found any nails or metal in my yard even after roof replacement and complete siding job. Good work boys.

    — Andrew H in Macomb, MI