Modern Day Roofing GAF Heritage replacement — financed at $0 down

Flexible Financing

Your New Roof. $0 Down. Payments From $89/mo.

See your estimated monthly payment in under 3 minutes — no credit impact.

Check Your Rate Call (540) 553-6007

Most New River Valley homeowners pay between $89–$149/month for a full roof replacement.

Why Finance With Us?

We've partnered with trusted lenders to bring you the best financing options available.

$0 Down Payment

Get your roof replaced today with no upfront costs. Start protecting your home immediately.

Low Monthly Payments

Affordable monthly payments that fit your budget. Multiple term options available.

Quick Approval

Apply in minutes and get a decision fast. No impact on your credit score to check rates.

Multiple Lenders

We work with several lending partners to find the best rate and terms for your situation.

See If You Qualify — No Credit Impact

Answer a few quick questions to see your estimated monthly payment and financing options.

No credit impact256-bit encryptedTakes ~3 min

Your InfoPropertyFinances

Step 1 of 3

Check Your Rate

Tell us a bit about yourself to see your financing options.

We'll never share your info. See our Privacy Policy.

Trusted by 270+ reviewers

Lending partner: Hearth • 12+ lenders

Estimate Your Monthly Payment

See what your project could cost per month — click through to request financing options.

How It Works

What to Expect

Apply Online

Complete our quick 3-minute pre-qualification form. No credit impact — just a few questions about your project and finances.

Get Matched With a Lender

We'll connect you with Hearth, who matches you to 12+ lending partners so you get the best rate and terms for your situation.

Receive Your Approval

Your lender reviews your application and provides a decision, often within the same business day.

Project Begins

Once approved, we schedule your roofing project. Work begins with $0 out of pocket.

Project Complete

Your new roof is installed, inspected, and warrantied. Monthly payments begin per your loan terms.

Our Lending Partner

We've partnered with Hearth to connect you with 12+ lenders and find the right fit for your budget.

Hearth

Official Partner

Hearth connects you with 12+ lending partners to find the best rate and terms for your situation.

Rates from multiple lenders — compare your options
Loan amounts from $1,000 to $250,000
Terms from 2 to 12 years
0% promotional financing available
No prepayment penalties
Soft credit check — no impact to your score
Funding in as little as 1–5 business days

Check Your Rate with Hearth

Hearth is a technology company (NMLS #1628533). All loans are subject to credit review and approval.

Honest Pricing, No Surprises

Like most contractor financing, a 10% dealer fee is added to the project cost by the lending provider. This is standard across the industry and covers the cost of offering flexible payment options.

Your estimated monthly payment — shown in both our calculator and results — already includes this fee. No hidden charges.

Financing FAQs

Common questions about our roofing financing options.

Will checking my rate affect my credit score?

No. Our pre-qualification form is a soft inquiry only — it does not affect your credit score in any way. Your actual credit is only checked when you apply directly with a lending partner.

What credit score do I need?

We have options for many credit situations. Our lending partners work with a range of credit profiles, from excellent to fair. The best way to find out is to complete our quick form — it takes about 3 minutes and won't affect your score.

What is the 10% financing fee?

A 10% dealer fee is added to the project cost by the financing provider. This is industry-standard for contractor financing and covers the cost of offering flexible payment options. Your estimated monthly payment already includes this fee.

How long does approval take?

Many homeowners receive a lending decision within the same business day. After completing our form, a team member will reach out within 1 business day to guide you through next steps with the recommended lender.

Can I pay off my loan early?

Yes — all of our financing options allow you to pay off your balance early without any prepayment penalties. If you come into extra funds, you can pay down or pay off your loan at any time.

What if I'm not approved?

We'll work with you to explore alternatives. We partner with multiple lenders, and our team can often find options for homeowners who may not qualify through the first lender we try.

Do I need to be the homeowner?

Financing is typically in the homeowner's name, but we can work with your situation. If you're not the homeowner, complete the form anyway and our team will discuss options with you.

Prefer to Talk to Someone?

Call us at (540) 553-6007 or fill out the form below.