Flexible Payment

Roof Financing
Made Simple

A new roof is a significant investment. For qualified homeowners, Keith Roofing offers flexible financing through trusted partners — so you can spread the cost across affordable monthly payments and get the roof installed right away.

Check Financing Options Talk to Us First
Why Finance?

Get the Right Roof
Without the Upfront Cost

Quick Online Approval

Soft credit check — no impact on your credit score. Most applicants receive approval decisions within minutes.

Predictable Payments

Fixed monthly payments at competitive rates. Many of our customers are surprised to find their roof costs less per month than a typical utility bill.

Install Right Away

No waiting. Financing lets you get your roof installed immediately while your payments roll out over time — ideal for storm damage or aging roofs.

No Prepayment Penalties

Pay off the balance early without penalty. Many of our clients use financing to manage cash flow and pay off when a bonus, tax return, or home sale lands.

Trusted Lending Partners

We partner with established lenders like Hearth that specialize in home improvement financing. Transparent terms, no gimmicks.

Protect Your Home

An aging or damaged roof creates cascading problems — water damage, mold, insurance issues. Financing lets you address the root cause without delay.

How It Works

Four Steps
to a Financed Roof

01

Get an Estimate

We'll come out, inspect the roof, and provide a written line-item estimate — always free and no-obligation.

02

Apply Online

Quick application through our lending partner. Soft credit pull — no impact to your credit score.

03

Review Options

See approved loan amounts, terms, and monthly payment options. Pick what works for your budget.

04

Get to Work

Approved, scheduled, installed. Monthly payments start after the roof is complete. Easy online payment management.

What Does It Cost?

A Real-World
Monthly Payment Example

Here's what financing might look like for a typical San Jose residential re-roof. Your actual rates and terms depend on credit and loan specifics — we'll get you real numbers during the estimate.

ProjectTotal CostExample Monthly
Shingle Re-Roof Typical 2,000 sq ft residential home
$14,500
~$185/mo10-year term, qualified credit
Concrete Tile Re-Roof Lift & relay, 2,500 sq ft
$25,000
~$320/mo10-year term, qualified credit
Premium Full Re-Roof Clay tile, custom flashing, large home
$42,000
~$540/mo10-year term, qualified credit

Examples are estimates only. Actual rates and terms depend on credit qualification, loan amount, and term selected. See your lender's disclosures for details.

Common Questions

Financing
Answered

The initial application is a soft credit pull — it doesn't affect your credit score. If you accept a loan offer and move forward, a hard credit pull happens at that stage.
Our financing partners work with a wide range of credit profiles. Typically, applicants with scores 600+ qualify for standard terms. Higher scores receive better rates. Lower scores may still qualify with higher rates or shorter terms.
Most residential roofing projects qualify — full roof replacements, major repairs, shingle and tile installs, emergency storm repair, and roof upgrades. Commercial financing is handled separately and is typically structured differently.
Typical terms range from 3 years to 15 years, depending on loan amount and lender. Longer terms mean lower monthly payments but more interest over time; shorter terms mean higher monthly payments but less total interest.
Yes. Most of our partner lenders allow early payoff without any prepayment penalty. You can pay the balance off any time — useful if a bonus, tax return, or other windfall arrives before the term ends.
No — we partner with established home improvement lenders (like Hearth) who specialize in this. That means you get competitive rates from companies that do this all day, not a side-service from a roofing company.
Ready to Start?

Get the Roof You Need
On Terms That Work

Start with a free estimate from Keith Roofing. If financing makes sense for your project, we'll walk you through the options during the estimate.

Get a Free Estimate Apply Online