Can You Finance a New Roof?
May 9, 2025
Can You Finance a New Roof? Everything Homeowners Need to Know
At Washington Roofing, we understand that replacing your roof is a major investment — one that’s vital for your home’s protection, value, and comfort. If you’ve ever asked yourself, Can you finance a new roof? — The answer is a resounding yes. And we're here to walk you through everything you need to know.
Whether you’re facing storm damage, aging shingles, or are finally ready to go from patch jobs to a full roof replacement, knowing your financing options can make all the difference. In this guide, we’ll break down the best ways to fund a new roof, how credit plays a role, what options are out there, and how Washington Roofing can help make it all possible, with zero stress and total transparency.
Can You Finance a New Roof Without Draining Your Savings?
Absolutely. Roofing projects no longer have to be fully paid for in cash up front. Many homeowners now choose loans, financing plans, or even leverage home equity to cover the cost. With the right lenders and guidance from professionals like Washington Roofing, you can get the roof your home needs while staying on top of your finances.
What Affects the Cost of a New Roof?
Before you explore financing, it helps to understand what you’re financing. The cost of a new roof varies based on:
- Size and slope of the roof
- Materials (asphalt shingles, metal, or even solar-ready)
- Labor and installation fees
- Existing damage or necessary repair
- Choice between residential and commercial roofing
Washington Roofing provides free, detailed estimates so you can see exactly what your roof replacement would entail — no surprises, no hidden fees.
Types of Roofing Loans and Financing Options
When wondering, can you finance a new roof? You’ll be glad to know there’s no one-size-fits-all. Washington Roofing works with a wide variety of financing partners to match you with plans that make sense for your budget. Some of the most popular roof financing options include:
- Personal loans: Ideal for quick approvals, especially for those with good credit scores
- Home equity loans or HELOCs: Use your home's equity as collateral for lower rates
- Roofing company financing: In-house financing solutions directly through Washington Roofing
- Government programs: FHA Title 1 or energy-efficient loans for solar upgrades
How Does Your Credit Score Impact Roofing Loan Approval?
Just like with any major loan, your credit score plays a critical role. A higher score generally leads to lower rates, higher approval odds, and more flexibility. However, Washington Roofing believes everyone deserves a safe, secure roof over their head.
That’s why we partner with lenders who consider alternative qualifications beyond just your score, including income, job stability, and payment history. So even if your score isn’t perfect, don’t let that stop you from reaching out to discuss your project.
How to Budget for a Roof Replacement Like a Pro
No more guesswork — start with a roofing cost calculator to get an idea of what you’re looking at. Factor in material costs, labor, permits, and potential upgrades like better siding or solar panel readiness.
Then, meet with our team at Washington Roofing. We'll help you break down your quote, understand each fee, and weigh the benefits of financing vs. paying cash. We’ll even help you compare loan terms from different lenders so you can make an informed decision
Insurance vs. Financing: What’s Covered?
If your roof has been damaged by storms, fire, or other covered events, your insurance might pay for all or part of your roof replacement. That said, insurance doesn’t always cover wear and tear or neglect.
Washington Roofing works directly with insurers to maximize your benefits and minimize your out-of-pocket costs. If insurance doesn’t cover the full amount, financing can bridge the gap so you don’t have to compromise on quality.
Financing for Energy-Efficient and Solar Roofing Projects
Thinking about upgrading to a solar-ready roof or choosing materials that improve your home's energy performance? Good news — many loan programs offer incentives for energy-efficient projects.
At Washington Roofing, we stay up-to-date on the latest resources for green upgrades, including federal tax credits and financing options specifically for energy-smart homes. We’ll help you design a roof that works as hard as you do.
Avoid Going Bone Dry: Why Waiting Costs More
Postponing a necessary roof repair or replacement can lead to long-term damage, not just to the roof, but to the entire home. Leaks, mold, insulation problems, and even structural issues can follow if water intrusion is left unchecked.
At Washington Roofing, we call this going bone dry — a costly mistake that leaves your home vulnerable. Don’t wait until it’s too late. With our flexible financing plans, you can address issues before they spiral into bigger (and pricier) problems.
What to Expect When Working with Washington Roofing
When you choose Washington Roofing, you’re not just getting a roofing company — you’re getting a partner. Here’s what sets us apart:
- Transparent pricing and no-pressure consultations
- Help navigating loan and financing applications
- Experienced crews for residential and commercial projects
- Strong relationships with reputable lenders
- 5-star service from start to finish
We understand that every roof tells a story — and we’re here to make sure yours ends in protection, peace of mind, and pride in your home.
Contact Us
Still wondering, can you finance a new roof? Let Washington Roofing show you how simple it can be. Whether you’re comparing rates, looking at your home equity, or exploring in-house plans, we’re here with the tools, team, and transparency you need to move forward with confidence.
Your home deserves better than a bone-dry roof — and you deserve the peace of mind that comes with expert care and smart financing. Contact Washington Roofing today and let’s bring your vision to life.
What does TPO stand for in roofing? Discover everything homeowners need to know about TPO roofing with Washington Roofing.
Your roof is more than just the top layer of your home—it's your first line of defense against the elements. Choosing the right roofing materials can mean the difference between constant repairs and decades of peace of mind. At Washington Roofing, we understand how overwhelming it can be to sift through the options, which is why we've created this complete, easy-to-understand guide on what are the most durable roofing materials for homeowners. Roofing Materials: What You Need to Know Before diving into specifics, it's essential to understand what makes some roofing materials more durable than others. Durability depends on factors like resistance to fire, wind, impact, and moisture, as well as the overall lifespan of the roof. At Washington Roofing, we guide homeowners in selecting the right material based on climate, budget, and personal preference. Metal Roofing: Strength Meets Style Metal roofing has grown in popularity for a reason—it's incredibly durable and provides excellent protection. Metal roofs can last 40-70 years, resist fire, and handle extreme weather. From standing seam panels to metal shingles, homeowners love their modern aesthetic and low maintenance. Asphalt Shingles: America's Go-To Roofing Material When discussing what are the most durable roofing materials, asphalt shingles always make the list. Affordable, easy to install, and available in countless styles, asphalt shingle roofs typically last 20-30 years. Washington Roofing offers premium options for increased durability, ensuring your roof stands up to the test of time. Stone-Coated Metal: The Best of Both Worlds For those who want the look of tile roofing or wood shingles with the strength of metal roofing, stone-coated metal is a fantastic option. Known for its resilience and elegant appearance, this durable roofing material resists wind, hail, and fire, while offering the charm of more traditional roofs. Decra Metal Roofing: Unmatched Durability and Style One of the top choices in the most durable roof category is Decra metal roofing. Combining the endurance of metal with a stone-coated finish, these roofs offer superior durability, weather resistance, and a wide range of design options. Washington Roofing proudly installs Decra products for homeowners seeking the perfect blend of function and beauty. Concrete Tile Roofing: Built to Last Concrete tile roofing is synonymous with longevity. These materials can last 50 years or more with proper care. They stand up to harsh weather, resist pests, and maintain their structural integrity over time. Though heavier than other roofing materials, their impressive durability makes them worth considering. Composite Tiles: Versatile and Resilient If you're asking what are the most durable roofing materials, composite tiles deserve attention. Made from a mix of synthetic materials designed to mimic wood, slate, or tile roofing, they are lightweight, durable, and often come with extensive warranties. Washington Roofing recommends composite options for homeowners wanting beauty without constant maintenance. Tile Roofing: Classic Beauty with Long-Term Protection Classic tile roofing, whether made from clay, concrete, or synthetic materials, has been trusted for centuries. It’s known for its durability, fire resistance, and timeless style. Washington Roofing offers expert tile roofing installation to give your home elegance and enduring strength. Wood Shingles and Cedar Shake: Natural Charm with Considerations For a rustic, natural look, wood shingles and cedar shake are popular. While they require more maintenance than some other roofing materials, their aesthetic appeal is unmatched. With proper treatment, they can resist fire and pests, offering a beautiful, durable option for your roof. Slate: The Pinnacle of Roofing Durability When it comes to the most durable roof, slate remains the gold standard. Lasting over 100 years in some cases, slate is virtually impervious to fire, rot, and pests. Its weight requires professional installation, which Washington Roofing is fully equipped to handle. Final Thoughts: Choose the Right Roofing with Washington Roofing Selecting the right roofing materials is about more than aesthetics—it's about safety, longevity, and peace of mind. Whether you're interested in metal roofing, asphalt shingles, Decra metal roofing, or tile roofing, Washington Roofing is your trusted partner. We pride ourselves on guiding homeowners through every step of the process, ensuring you make an informed decision for your roof replacement. Ready to Upgrade to Durable Roofing? Let Washington Roofing Help! I f you're wondering what are the most durable roofing materials, our experts at Washington Roofing are ready to help you choose the perfect option for your home. Contact us today for a free consultation and discover how we can protect your home with style and strength.
At Washington Roofing Service, we take pride in delivering quality craftsmanship with every roofing project we complete. Our latest job in Puyallup, WA was no exception—a full residential reroof that not only improved the home’s protection but also elevated its curb appeal. Pabco Premier Shingles The homeowners chose PABCO Premier asphalt shingles in Pewter Grey, a classic, versatile color that complements a wide range of exterior styles. Pewter Grey brings a crisp, clean aesthetic to the home, with enough contrast to highlight trim and landscaping features while maintaining a timeless, neutral palette. PABCO Premier shingles are a popular choice in the Pacific Northwest due to their outstanding performance in our region’s wet and windy conditions. Built with dual-layer construction, these shingles offer enhanced durability, excellent granule retention, and resistance to wind speeds up to 110 mph (or up to 130 mph with enhanced installation). Brightening the Interior with TAM Skylights As part of this project, we also installed TAM skylights, giving the home an instant upgrade in both function and style. Skylights are more than just windows in the roof—they provide: • Natural daylight, reducing the need for artificial lighting • Improved ventilation, especially in kitchens and bathrooms • A sense of openness that makes rooms feel larger and more inviting TAM skylights are engineered for long-term performance and are well-suited for Washington’s weather. With proper flashing and expert installation by our team, these skylights are designed to prevent leaks and ensure energy efficiency. Our Roofing Process From the initial inspection to the final cleanup, our crew maintained a clear line of communication with the homeowners and completed the project on time and on budget. We protected the landscaping, kept the job site clean each day, and ensured minimal disruption to the household during the work. Once the new roof and skylights were installed, we conducted a thorough walkthrough and inspection to confirm everything met our high standards—and the homeowners couldn’t be happier with the results. Thinking About a Roof Upgrade in Puyallup or Pierce County?
Whether you need a full replacement, new skylights, or a roof inspection, Washington Roofing Service is your trusted local expert. We proudly serve homeowners throughout Puyallup, Tacoma, Sumner, Bonney Lake, and beyond. Contact us today for a free, no-pressure estimate and let us help you protect and beautify your home—one shingle at a time.
Learn how to clean a metal roof safely and effectively with expert tips from Washington Roofing. Avoid damage and protect your investment.
At Washington Roofing Services , our expert roofing contractors can enhance your home’s curb appeal with DaVinci shingles, knowing that a roof is more than just protection—a statement of style and durability. A roof is a critical component of the aesthetic appeal of your home – the first impression someone gets. Because a roof installation is a major investment, we know you want one that is beautiful and built to last. The Benefits of DaVinci Shingles People are drawn to the look of slate tiles and cedar shake; with DaVinci composite shingles you get the look without the ongoing repairs, maintenance, and replacement. Davinci shingles are a leap forward in roofing technology. They go beyond traditional shingles because they are engineered to mimic the natural beauty of slate and cedar, but with many added benefits. DaVinci shingles capture the intricate textures and natural variations inherent to slate and cedar, adding character and depth to your roof. They come in a wide array of colors, blends, and profiles. You can customize your roof to complement your home’s architectural style. A DaVinci roof creates a stunning visual that instantly boosts your home’s curb appeal and increases its market value. How DaVinci Shingles Outperform the Rest These shingles are engineered to withstand the harshest weather conditions and temperature fluctuations. DaVinci shingles last longer than traditional asphalt shingles. They are high-performance and low-maintenance. These shingles offer enhanced fire resistance, and this adds a layer of safety for your home. Why Should You Choose Washington Roofing Services to Install Your DaVinci Roof? Our team of skilled professionals possesses the expertise to install these shingles with precision and care, ensuring optimal performance and longevity. We are committed to seamless and stress-free customer service, from initial consultation to the final inspection. Washington Roofing Services is a trusted name in the roofing industry. Invest in a Roof That Exceeds Your Expectations When you choose DaVinci shingles, you are making an investment in your home's long-term beauty and protection. Contact us today to schedule a consultation and discover whether DaVinci shingles are the right choice for your roof replacement.
When it comes to roofing, you want a balance of aesthetic appeal and long-lasting performance. At Washington Roofing Services, we understand homeowners are looking for durable, beautiful options that stand the test of time. That’s why we often recommend DaVinci composite shingles. What are DaVinci shingles? Our professional roofing team at Washington Roofing Services compares them to traditional asphalt and cedar shingles. DaVinci shingles are crafted from a unique blend of engineered polymers, resulting in a composite material that replicates the look and texture of natural slate or cedar shake. This innovative approach offers the visual appeal you’d get from premium roofing materials without potential inherent drawbacks. Performance Advantages Over Asphalt Shingles Longevity: Asphalt shingles typically last 15-30 years, offering exceptional durability and value. Weather resistance: Asphalt shingles can be susceptible to granule loss, cracking, and curing under extreme weather conditions. DaVinci shingles are engineered to withstand high winds and freeze-thaw cycles, maintaining their integrity for decades. Aesthetic appeal: Asphalt shingles offer a wide range of colors, but they lack the authentic look of natural materials. Da Vinci shingles offer a wide array of colors and profiles, replicating the natural variations and textures of slate and cedar. Maintenance: Asphalt shingles require more maintenance to prolong their life. DaVinci shingles require minimal maintenance. Performance Over Cedar Shingles Fire resistance: Cedar shingles are inherently flammable and require fire retardant treatment. DaVinci shingles offer superior fire resistance, providing safety and peace of mind. Moisture resistance: Cedar shingles absorb moisture, which leads to warping, rot, and insect infestation. DaVinci shingles are resistant to moisture and prevent the issues that cedar shingles have. Consistency: Cedar shingles are a natural product and the color varies and could have inherent defects. DaVinci shingles are manufactured and have a consistent look and quality. Resistant to insects: Cedar shingles are susceptible to insect infestation; DaVinci shingles are not. Why Choose DaVinci Shingles from Washington Roofing Services? DaVinci shingles are built to withstand the harshest weather conditions, ensuring your roof remains strong and beautiful for decades. These shingles replicate the timeless elegance of slate or cedar and complement any architectural style. Enjoy Natural Materials Without Constant Upkeep A DaVinci roof adds value to your home, making it a worthwhile investment. Washington Roofing Services has the experience and expertise to install these shingles with precision and care, ensuring optimal longevity and performance. Making the Right Choice - DaVinci Shingles When deciding on roofing material, consider the long-term investment and priorities. If you’re looking for a beautiful, durable, and low-maintenance option that will outperform traditional shingles, DaVinci composite shingles are an ideal choice. Contact Washington Roofing Services for a consultation and discover how DaVinci shingles can enhance the beauty and protection of your home.
Discover how to spot hail damage on your roof and learn repair solutions. Contact Washington Roofing for expert inspections and replacements!
Discover what paint goes with a brown roof! Find the best colors to complement your home exterior with expert tips from Washington Roofing.
Can you paint a metal roof? Yes! Learn expert tips from Washington Roofing on the best paint systems, preparation, and professional application.
Moss on rooftops in Kirkland, WA may look harmless, but it can cause serious damage by trapping moisture, lifting shingles, blocking drainage, and reducing energy efficiency. Over time, this can lead to leaks, rot, and costly repairs.
Washington Roofing Services offers professional roof cleaning and replacement to prevent moss-related damage. Our expert team provides inspections, soft washing, and long-term solutions like copper or zinc treatments.
