Roof Financing in Orlando, FL
Payments from $129 per month. Approval down to 550 FICO. Quick decisions, no hidden fees.
Most Florida roofs cost between $12,000 and $25,000 to replace. That is real money. We work with two financing partners so you can spread the cost over time and get your roof done now, not next year.
Option 1: Enhancify
Enhancify is our primary financing partner for residential roof work. Most Central Florida homeowners qualify, including those with bruised credit from medical bills, divorce, or post-pandemic job changes.
- Payments from around $129 per month
- Qualification down to 550 FICO
- Two-minute application, decision in seconds
- No prepayment penalty
- Multiple lenders compared in one application
- Soft credit pull (does not hurt your score to check)
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 Enhancify 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. Enhancify 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?
Enhancify decisions come back in seconds for soft pre-qualification and same-day for final approval. 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 Enhancify 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 Free Estimate Or call 407-600-4137