At TWM Roofing, we understand that replacing your roof is an investment. That’s why we offer a variety of financing options to make your new roof more accessible and affordable. With loan amounts ranging from $5,000 to $500,000 and flexible terms—including both secured and unsecured fixed loans—our financing solutions are designed to fit your budget. All financing is subject to approved credit (OAC).

Get Pre-Approved for Financing

To streamline your roof project, we recommend getting pre-approved before we begin. This gives you a clear understanding of your financing options and helps ensure a smooth process from start to finish.

Trusted Loan Providers

HFS Roof Loans

HFS is a leading financing provider with over 1,500 5-star reviews and a reputation for outstanding service. They offer personal loans with no equity required, funding all loans directly to homeowners. With a simple soft credit check, you can explore available loan options without affecting your credit score. Whether you’re planning a new roof, roof replacement, or roof repair, HFS provides a seamless financing experience.

APPLY NOW – HFS: “You Dream It, We Finance It.”

For more information on financing options, feel free to contact us directly or explore the available lenders in our network.

Let’s bring your new roof to life!

LightStream Roofing Loans: Flexible & Affordable Financing 

LightStream offers a simple, fast, and affordable financing solution for homeowners looking to invest in a new roof or roof repair. As a division of SunTrust Bank, LightStream provides unsecured personal loans, meaning you don’t need to use your home as collateral. Their process is designed to be hassle-free, with competitive interest rates and same-day funding for qualified applicants. 

Key Benefits of LightStream Roofing Loans: 

• Loan Amounts: Borrow between $5,000 and $100,000, giving you the flexibility to finance small repairs or a full roof replacement.
• Low, Fixed Interest Rates: LightStream offers competitive APRs, and their Rate Beat Program ensures they provide a lower rate than a competitor by 0.10% (conditions apply).
• No Fees or Prepayment Penalties: You won’t have to worry about origination fees, late fees, or penalties for paying off your loan early.
• Same-Day Funding Available: If you complete your application and approval process early in the day, you could receive funds the same business day.
• Flexible Loan Terms: Choose repayment periods from 24 to 144 months to find a monthly payment that fits your budget.
• Simple, Online Process: Apply online with a soft credit check, ensuring your credit score isn’t impacted during pre-qualification.
  

With LightStream, homeowners can get the financial support they need to invest in a durable, high-quality roof without added stress. Whether you’re replacing aging shingles, repairing storm damage, or upgrading to an energy-efficient roofing system, LightStream makes financing straightforward and budget-friendly. Go to Lightstream.com to see current rates and conditions.

2. Home Equity Loan or Home Equity Line of Credit (HELOC)

Home equity loans and HELOCs allow homeowners to borrow against the equity they've built in their property. Typically, lenders require that the combined loan-to-value ratio (CLTV) does not exceed 85%, meaning homeowners should retain at least 15% equity after the loan. Borrowing limits depend on the amount of equity available and the lender's policies. Interest rates are generally lower than unsecured loans, with APRs varying based on creditworthiness and market conditions. These loans use the home as collateral, and failure to repay can result in foreclosure. Here are some HELOC lenders in comparison.

3. FHA Title I Home Improvement Loan

The Federal Housing Administration (FHA) Title I program insures loans for home improvements, including roofing. For single-family homes, the maximum loan amount is $25,000 with terms up to 20 years. Loans up to $7,500 are unsecured; amounts above this require the home as collateral. Interest rates are fixed and negotiated between the lender and borrower, typically reflecting market rates. No home equity is required, but the property must have been occupied for at least 90 days. Go to HUD.gov for more information.

4. Personal Loans

Personal loans are unsecured and don't require home equity. Borrowing limits vary by lender but can range from a few thousand dollars up to $100,000, depending on creditworthiness. Interest rates are generally higher than secured loans, with APRs varying widely based on credit scores and lender policies. Loan terms typically range from 1 to 7 years. Since no collateral is required, approval is primarily based on income and credit history.

5. Government and Utility Rebates or Incentives

Various state and local programs offer rebates or incentives for installing energy-efficient roofing materials. These programs aim to promote energy conservation and may provide direct rebates or tax credits. Availability and amounts vary, so homeowners should consult the California Energy Commission or local utility providers for current programs and eligibility requirements.

Disclaimer: When considering these options, it's advisable to compare terms, interest rates, and repayment conditions to determine the best fit for your financial situation and roofing needs. The options listed are for informational purposes only and should not be considered financial advice. We recommend consulting a financial professional before making any major financial decisions.