Financing

Options for Your

Roofing &

Exterior Project

We offer flexible financing

solutions to help make your

roofing, gutter, or siding project

more manageable. Whether your

project is time-sensitive or part of

a planned upgrade, our goal is to

help you access funding quickly

and confidently.

Roofing, Gutter &

Siding Financing

Financing allows you to move

forward with your project now,

with funds provided upfront

and payments made over time.

Financing Options for Your Roofing

& Exterior Project

We offer flexible financing solutions to help make your roofing, gutter, or siding project more

manageable. Whether your project is time-sensitive or part of a planned upgrade, our goal is to

help you access funding quickly and confidently.

Roofing, Gutter & Siding Financing

Financing allows you to move forward with your project now, with funds provided upfront and

payments made over time.

Roofing, Gutter & Siding Financing

1. Personal Roofing

Loans through Hearth

If you need to move quickly or do not have

sufficient home equity, a personal home

improvement loan through Hearth

may be the right solution.

Fast application process—typically
takes just a few minutes
No home equity required
(unsecured loan)
Instant visibility into available loan options

You can review your financing options and get approved right away.

2. Home Equity Loans

for Roofing Projects

If you have equity in your home and a

flexible timeline, a home equity loan may

offer lower interest rates compared to

unsecured financing.

Things to consider:

Approval and funding can take 4–6 weeks if you do not already have
a line of credit open
May include closing costs and
potential prepayment penalties
Often not ideal for urgent roofing
repairs

Home equity loans use your property as collateral. If you do not have enough equity, an unsecured option such as Hearth

financing may be a better fit.

Important Note: Financing options secured by home equity may be tax deductible, while unsecured loans typically are not.

Consult a tax professional for guidance.

3. FHA 203(k) &

Government Roofing

Assistance Programs

In some cases, state or federal

programs may be available to assist

with roof repairs or replacements.

Colorado homeowners may qualify for

special loan or grant programs

depending on property type, income,

and project scope.

These options are more limited

and typically involve longer approval

timelines, but they may be worth

exploring if traditional financing is

not an option.

Roofing, Gutter & Siding Financing

1. Personal Roofing Loans through Hearth

If you need to move quickly or do not have sufficient home equity, a personal home improvement loan through Hearth

may be the right solution.

Fast application process—typically takes just a few minutes
No home equity required (unsecured loan)
Instant visibility into available loan options

You can review your financing options and get approved right away.

2. Home Equity Loans for Roofing Projects

If you have equity in your home and a flexible timeline, a home equity loan may offer lower interest rates compared to

unsecured financing.

Things to consider:

Approval and funding can take 4–6 weeks if you do not already have a line of credit open
May include closing costs and potential prepayment penalties
Often not ideal for urgent roofing repairs