Roof Financing in Orlando, FL
Compare pre-qualified monthly payments from a network of lenders. Checking your options will not affect your credit score.
Most Florida roofs cost between $12,000 and $25,000 to replace. That is real money. We work with two financing options so you can spread the cost over time and get your roof done now, not next year.
Estimate your monthly payment
Enter your project cost and pick your credit range. The figures come straight from Hearth, and checking costs you nothing.
Estimates only. Your actual rate and term depend on the lender and your credit profile.
Apply for roof financingOption 1: Hearth
Hearth is our financing partner for residential roof work. You complete one short request and compare pre-qualified offers from a network of lenders, including options for Central Florida homeowners with bruised credit from medical bills, divorce, or post-pandemic job changes.
- Low monthly payments spread over a term you choose
- Options across a wide range of credit profiles
- Short online application, pre-qualified offers in minutes
- Multiple lenders compared in one application
- Soft credit pull (does not hurt your score to check)
- Prepayment terms vary by lender, shown before you sign
Option 2: PACE and Ygrene
PACE financing (Property Assessed Clean Energy) is a Florida-specific program. Instead of tying the loan to your credit, it ties to your property, and you pay it back through your annual property tax bill over 10 to 25 years.
- Tied to your property, not your credit score in most cases
- Paid through your property tax bill
- 10 to 25 year terms
- Available for energy-efficient roof systems (metal, cool-roof shingles, radiant barrier)
- Best for homeowners with strong home equity but lower credit scores
- Transfers with the property if you sell before paying off
$500 off for military and first responders
Active duty, veterans, police, fire, EMS, nurses, and teachers all qualify for a $500 discount on any full roof replacement. Just bring valid ID at the estimate visit. The discount stacks with financing, so your monthly payment goes down too.
How to apply
We match you to the right lender
Based on credit, home equity, and the scope of work, we point you to Hearth or PACE. You apply right there, on your phone.
Approval and start date
Most approvals come back same day. We schedule the work and pull permits. You sign the funding docs after the job is done.
Common financing questions
Will applying hurt my credit score?
No. Hearth runs a soft credit check to pre-qualify you. A soft pull does not affect your score. Only if you accept a final loan offer does a hard pull happen, and even then most homeowners see a 5 to 10 point dip that recovers within 60 days.
How long does approval take?
Hearth returns pre-qualified offers within minutes, and final approval is often same-day. PACE takes longer (1 to 3 business days) because it involves county records and your property tax assessor.
Do you offer payment plans without financing?
We do not run our own payment plan, no. We are roofers, not lenders. But Hearth and PACE are real financing options with real lenders behind them, so the terms are competitive and protected by federal lending law.
Can I combine the military and first responder discount with financing?
Yes. The $500 discount comes off the total job cost before financing is calculated, so your monthly payment is lower too. Bring valid military ID, badge, or department ID at the estimate visit.
What if my insurance is covering most of the roof?
Even better. You may only need financing to cover your deductible, ordinance and law upgrades, or out-of-pocket costs the insurer will not cover. We work through the numbers with you on site.
Pre-qualify in the same visit as your estimate
Get a written quote and a financing pre-qualification in the same 30-minute appointment.
Get My Instant Quote Pre-Qualify With Hearth Or call 407-600-4137