When the dreaded day comes of needing to have your roof replaced, one of the biggest worries is often the cost. If you have bad credit or limited funds, you may be wondering how in the world you can afford a roof replacement

At AIC Roofing & Construction, we believe financing should never get in the way. Here’s what you need to know about your options and how we go the extra mile to make sure you always have a roof over your head. 

Talk to Your Roofer

If seeking help with financing is your only option to afford a roof replacement, the first thing you should do is talk to your roofer. Many roofing companies offer in-house financing. And while you should carefully weigh all your options before you make a firm commitment, you may be able to save in the long run by working directly with your roofing company. 

At AIC Roofing & Construction, we have partnered with the financial platform GreenSky® to help make securing a home improvement loan easier. Through GreenSky, many of our customers have been able to secure home improvement loans with competitive interest rates.

Shop Around

One of the biggest mistakes homeowners make is not shopping around for a loan. While we do our best to offer a competitive in-house option, we also want you to obtain the best loan for your unique situation. We understand you need terms and an interest rate which work best for you. We recommend contacting multiple lenders and comparing what they are able to offer. One of these options might be right for you:

  • FHA Title I Loan: The Federal Housing Authority (FHA) offers Title I loans, specifically designed for property improvements such as roof replacement. 
  • Financing With Credit Card: For homeowners with good-to-moderate credit, opening up a credit card specifically to finance roof replacement can be a viable option, provided you are able to make timely payments so the interest doesn’t get out of hand. 
  • HELOC: By opening up a Home Equity Line of Credit (HELOC), homeowners can put up their existing home as collateral to finance improvements such as roof replacement. 

Contact us today to learn more about your roof replacement financing options. Our team at AIC Roofing & Construction has been serving Central Kentucky since 2003. We’re committed to offering financing options so every family can have a quality roof over their heads.

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